Calculate earnings from supplying crypto to DeFi lending protocols. Enter your supply amount, APY, and duration to estimate interest income from Aave, Compound, and others.
Supplying crypto to lending protocols like Aave, Compound, or Venus earns you interest paid by borrowers. The supply rate (APY) fluctuates with demand — when more people want to borrow, rates rise; when utilization drops, rates fall.
This Lending Supply Rate Calculator estimates your earnings from depositing assets into a lending protocol. Enter the amount you're supplying, the current APY, and how long you plan to lend. The tool shows your projected interest income in both token and dollar terms.
Understanding supply economics helps you evaluate whether lending your idle crypto is worth the smart contract risk. Compare rates across protocols and assets to optimize your lending strategy.
Crypto traders, long-term holders, and DeFi participants benefit from transparent crypto lending supply rate calculations when planning entries, exits, or portfolio rebalances. Revisit this calculator whenever market conditions shift to keep your strategy grounded in accurate data.
From swing traders timing short-term moves to HODLers tracking long-term gains, accurate crypto lending supply rate data is essential for disciplined portfolio management. Adjust the inputs above to mirror your actual holdings and market assumptions, then re-run the numbers whenever the landscape shifts.
From swing traders timing short-term moves to HODLers tracking long-term gains, accurate crypto lending supply rate data is essential for disciplined portfolio management. Adjust the inputs above to mirror your actual holdings and market assumptions, then re-run the numbers whenever the landscape shifts.
Lending rates change constantly. This calculator lets you project earnings at current rates, compare across durations, and decide whether the yield justifies the protocol risk and opportunity cost. Real-time recalculation lets you model different market scenarios quickly, so you can act with confidence rather than relying on rough mental estimates.
Interest = Supply Amount × APY × Days / 365. Dollar Interest = Interest × Token Price. Compound Interest = Supply × (1 + APY/365)^Days − Supply.
Result: 0.0863 ETH ($258.90)
Simple interest: 10 × 0.035 × 90/365 = 0.0863 ETH. At $3,000 per ETH, that's $258.90 earned over 90 days. With daily compounding: 10 × (1.000096)^90 − 10 = 0.0866 ETH.
Borrowers pay interest to use your supplied assets. The protocol takes a small cut (reserve factor), and the rest is distributed to suppliers proportional to their share of the pool. Interest accrues block-by-block and is reflected in your aToken or cToken balance.
Different protocols offer different rates for the same asset. Aave, Compound, Venus, and others each have their own interest rate models and utilization curves. Shopping around with this calculator can increase your earnings by 1-3% APY.
A 5% APY on a battle-tested protocol like Aave may be better risk-adjusted than 15% on a newer, unaudited protocol. Always weigh yield against smart contract risk, protocol maturity, and TVL size.
Supply rates are algorithmically set based on utilization (borrowed/supplied ratio). Each protocol has an interest rate model that increases rates as utilization rises, incentivizing more supply and discouraging excessive borrowing.
Lending carries smart contract risk (bugs or exploits), oracle risk (price feed errors), and governance risk. Major protocols like Aave and Compound have been audited extensively but are not risk-free. Never lend more than you can afford to lose.
Usually yes — as long as there's enough liquidity in the pool. In rare extreme utilization scenarios (near 100%), you may need to wait for borrowers to repay or new suppliers to deposit before withdrawing.
Utilization = Total Borrowed / Total Supplied. At 80% utilization, 80% of supplied assets are loaned out. Higher utilization means higher supply rates but also higher withdrawal risk.
Stablecoins often have higher supply rates because borrowing demand for stablecoins is consistently high. Volatile assets may have lower but fluctuating rates. Choose based on your portfolio goals.
In most jurisdictions, interest earned from crypto lending is taxable as income. The value is typically assessed at the time the interest is received or accrued. Consult a tax professional for specifics.