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DeFi Calculators
Essential DeFi tools for calculating yields, impermanent loss, gas costs, and comparing staking options. Optimize your DeFi strategy with data-driven decisions.
Decentralized finance offers incredible yield opportunities, but the risks are equally significant. That "500% APY" farm might look amazing until impermanent loss, gas costs, token depreciation, or smart contract exploits eat all your profits. DeFi rewards those who calculate, not those who FOMO.
Most DeFi users lose money because they chase advertised yields without understanding the true costs. They don't calculate impermanent loss before providing liquidity, don't factor gas costs into their break-even analysis, and don't realize that reward token inflation often outpaces their yields. By the time they withdraw, they've lost money despite "earning" high APY.
Smart DeFi investors calculate real returns after accounting for ALL costs and risks. These tools help you model LP positions, estimate gas costs, compare staking options, and understand exactly what you're getting into before deploying capital. Learn comprehensive strategies in our DeFi trading guide.
Calculate Real Yields
APY after fees, gas, and compounding
Understand IL Risk
Know your downside before LPing
Optimize Gas Costs
Find break-even points for transactions
Jump to Calculator
APR to APY Calculator
Full pageConvert advertised APR to effective APY with daily, weekly, or monthly compounding. Essential for comparing Aave, Lido, and LP reward rates.
Compare advertised APR vs effective APY after compounding. Essential when evaluating Aave, Compound, Lido, and LP reward rates.
Input APR
12.00%
Effective APY
12.75%
Compounding Boost
+0.75%
365× per year
Health Factor Calculator
Full pageCalculate health factor, LTV, and liquidation price for DeFi lending on Aave, Compound, and Morpho.
LP Break-Even Calculator
Full pageSee whether trading fees offset impermanent loss. Know your break-even fee APR before providing liquidity.
See whether trading fees offset impermanent loss. Enter pool fee APR from Uniswap, Curve, or your DEX analytics dashboard.
Net vs Holding
+$117
LP beats holding
Impermanent Loss
-2.02%
Fees Earned
$370
Break-Even Fee APR
10.2%
IL Cost
-$253
Uniswap V3 IL Calculator
Full pageCalculate impermanent loss for concentrated liquidity positions with custom price ranges. Compare V3 IL vs full-range V2.
Concentrated liquidity IL for a custom price range. Compare V3 IL vs equivalent full-range (V2) IL.
V3 Impermanent Loss
-2.32%
-$247 vs holding
LP value
$10K
HODL value
$11K
V2 full-range IL
-0.22%
Capital efficiency
~2.5x
Liquid Staking Comparison
Full pageCompare stETH, rETH, sfrxETH, and cbETH net APY after protocol fees, with optional LSTfi stacking.
Compare net APY after protocol fees for stETH, rETH, sfrxETH, and cbETH, with optional LSTfi stacking on Aave or Curve.
| # | Protocol | Net APY | Annual ($) | Annual (ETH) |
|---|---|---|---|---|
| 1 | Frax Ether(sfrxETH) | 6.86% | $2K | 0.6864 ETH |
| 2 | Lido(stETH) | 5.65% | $2K | 0.5650 ETH |
| 3 | Rocket Pool(rETH) | 4.72% | $2K | 0.4720 ETH |
| 4 | Coinbase(cbETH) | 3.75% | $1K | 0.3750 ETH |
Leveraged Yield Loop Calculator
Full pageModel supply-borrow-redeposit loops on Aave and Morpho. See effective leverage, net APY, and health factor.
Model supply → borrow → re-supply loops on Aave or Morpho. See effective leverage, net APY, and health factor.
- Borrow rate exceeds supply rate. Looping loses money.
Net APY on your capital
-1.98%
20 loops · 3.99x effective leverage
Total collateral
$40K
Total debt
$30K
Health factor
1.10
Net yield ($/yr)
-$198
Stablecoin Depeg Risk Calculator
Full pageCalculate depeg severity and IL for USDC/DAI and other stable pairs before providing liquidity.
Model USDC/DAI, USDT/DAI, or other stable pairs. See depeg severity and pool IL when pegs diverge.
Pool risk level
medium
Max depeg: 0.200%
Token A depeg
-0.200%
Token B depeg
0.100%
IL vs hold
-0.000%
IL ($)
-$0
Gas Break-Even Calculator
Full pageIs the yield worth the gas? See if your deposit covers Ethereum transaction costs for your holding period.
Is the yield worth the gas? Estimate whether your deposit covers Ethereum mainnet transaction costs.
Net profit after gas
-$2
Gas: $35 (0.01000 ETH) · Yield: $33
Days to break even on gas
32
Min deposit for profit
$5K
Yield Strategy Calculator
Full pageCompare different DeFi yield strategies including staking, lending, LP farming, and yield aggregators. Calculate returns with daily, weekly, or monthly compounding.
Strategy APYs are representative examples for comparison, verify current rates on each protocol before depositing.
Native ETH staking through liquid staking protocols. Low risk, consistent yield from network validation rewards.
✅ This is real yield from protocol revenue, not token emissions.
Final Value (12mo)
$10,356
Total Earnings
+$356
Avg Monthly
$30
With daily compounding, effective APY is 3.6% , you earn $6 more than simple interest ($350).
Impermanent Loss Calculator
Full pageInteractive IL calculator with visual slider and value comparison. See exactly how price divergence affects your LP position vs simply holding.
Enter token prices at deposit and now for a 50/50 liquidity pool. IL is computed from the relative price change between the pair.
Impermanent Loss
-2.02%
Pair ratio changed +50.0% from deposit
-$101 vs holding
HODL Value
$5K
LP Value (excl. fees)
$5K
1.25x price change:
0.6% IL
1.5x price change:
2.0% IL
2x price change:
5.7% IL
5x price change:
25.5% IL
Liquidity Pool Simulator
Simulate liquidity pool positions and see how your LP tokens perform under different market scenarios. Understand fees, rewards, and IL impact.
Full range liquidity, simple
Daily Pool Fees
$3,000
Your Daily Fees
$3.00
Yearly Fees
$1,095
Fee APY
10.9%
This 10.9% APY is from fees alone. Factor in impermanent loss, a 50% price divergence causes ~5.7% IL. Fees must exceed IL for profit.
See how these calculators help you make informed DeFi decisions:
Example 1: Yield Comparison
Principal: $10,000
Option A: 12% APR (no compound)
Option B: 10% APY (daily compound)
Gas per compound: $5
After 1 Year:
Option A: $11,200
Option B: $11,052 (after $1,825 gas)
Option A wins (gas kills B)
Always factor gas into yield calculations
Example 2: Impermanent Loss Analysis
LP Position: $10,000 ETH/USDC
ETH Entry: $2,000
ETH Exit: $3,000 (50% up)
Pool APY: 25%
Analysis:
IL from 50% move: ~2.0%
Yield earned: ~25%
Net gain: ~23%
Fees offset IL in this case
Example 3: Gas Break-Even Analysis
Deposit Amount: $500
Gas to Deposit: $15
Gas to Withdraw: $15
Pool APY: 20%
Break-Even:
Total gas: $30 (6% of position)
Time to break even: ~110 days
Position too small for mainnet
Use L2 or increase position size
Key Insight: Advertised APY is meaningless without context. Always calculate: (1) actual yield after compounding, (2) impermanent loss risk, (3) gas costs, and (4) token price risk. Only then do you know your real expected return.
Understanding these formulas helps you evaluate DeFi opportunities accurately and avoid costly mistakes.
APY from APR Conversion
APY includes compounding; APR doesn't. Higher compounding frequency increases APY.
Impermanent Loss Formula
IL depends only on the price ratio change, not the direction. A 2x move up or 0.5x move down causes the same IL.
Gas Break-Even Calculation
Calculate the minimum time needed to recoup gas costs. If break-even exceeds your intended holding period, the position isn't worth it.
Different DeFi strategies suit different goals and risk tolerances. Use these calculators to evaluate which approach makes sense for your situation:
Simple Staking (Low Risk)
Lock tokens to secure a network and earn rewards. Use the Yield Calculator to compare staking APYs across protocols. Best for long-term holders who want passive income without complexity.
Lending (Medium Risk)
Supply assets to protocols like Aave or Compound. Calculate expected yields with the Yield Calculator and factor in gas costs with the Gas Optimizer. Good for earning on stablecoins.
Liquidity Provision (Higher Risk)
Provide liquidity to DEXs and earn trading fees. Always use the IL Calculator to understand potential impermanent loss vs fee income. Best for those comfortable with active management.
Yield Farming (Highest Risk)
Chase maximum yields across multiple protocols. Calculate true returns after IL, gas costs, and token volatility. Only for experienced DeFi users who can actively manage positions.
Calculate Real Yield, Not Advertised
High APY means nothing if gas costs or IL eat your profits. Use these calculators to determine your actual net returns.
Factor in Gas for Every Action
Deposits, withdrawals, claims, and compounds all cost gas. Calculate break-even points before making small transactions.
Understand IL Before LPing
Always run the IL calculator before providing liquidity. Know your potential downside if prices diverge significantly.
Diversify Across Protocols
Smart contract risk is real. Don't put all your capital in one protocol, no matter how attractive the yield.
APR to APY Calculator
Convert APR to effective APY
Health Factor Calculator
DeFi lending liquidation risk
LP Break-Even Calculator
IL vs trading fee profitability
Yield Calculator
Calculate DeFi yields with compounding
Impermanent Loss Calculator
Calculate IL for liquidity positions
On-Chain Analytics
Track smart money and whale flows
Risk Management Tools
Position sizing and portfolio risk
Want Real-Time DeFi Analytics?
Track smart money flows, monitor whale wallets, and get alerts on high-yield opportunities with Thrive's DeFi intelligence dashboard.