Calculators · Investing
Compound Interest Calculator
Visualize how your crypto, staking rewards, or DeFi yield grows over time with adjustable rate and contributions.
⚡ Quick Summary
- What it does: Shows how a lump sum plus regular contributions grows over time with compound interest — visualising the exponential curve that makes consistent yield so powerful.
- Formula: A = P(1 + r/n)^(nt) + contributions compounded. Daily compounding (DeFi standard) maximises effective APY vs monthly or annual.
- Key number: $5,000 at 8% APY (USDC DeFi lending) with $200/month DCA grows to ~$58,000 in 10 years. Without contributions: ~$10,800. Contributions matter more than rate.
- Bottom line: Idle USDC in your Polymarket wallet earns 0%. Deploying it to a yield vault at 5–8% APY while you wait for the next trade is free money.
Compound Interest in Crypto
Compound interest is the eighth wonder of the world — but in crypto it works especially fast. Staking yields of 4–12% APY, DeFi liquidity pools, and lending protocols like Aave and Compound pay interest that can be reinvested daily, accelerating growth far beyond traditional savings accounts.
Best Crypto Compound Interest Opportunities
- ETH Staking: ~3–4% APY, low risk, liquid with liquid staking tokens
- USDC/USDT Lending: 4–8% APY on platforms like Aave, Morpho, or Sky
- BTC ETF/Yield: Bitcoin yield strategies via platforms offering 2–5% APY
- Polymarket USDC balance: Uninvested USDC earns 0% — deploy it in a yield vault when not in active trades
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