How to use it
- Enter Deposit.
- Enter APY %.
- Enter Years.
- Enter Compounds / year.
- Enter Added per month.
The formula
Interest compounds on a dollar-pegged balance.
Worked example
About this calculator
Stablecoins became crypto's quiet success story: dollar-pegged tokens now settle trillions a year and are heading toward a trillion dollars in circulation, pushed by clear rules like the US GENIUS Act and Europe's MiCA. For savers, they turned crypto rails into something resembling a global dollar account.
The arithmetic is ordinary compound interest — the judgment is in the risk column. Issuer quality, where the yield actually comes from, and whether your platform would survive a stressed market matter more than a percentage point of APY. If a yield looks far above the market, the difference is risk you haven't identified yet.
Frequently asked questions
Why do stablecoins pay more than banks?
Yields come from lending demand, DeFi liquidity and treasury-backed reserves — with platform and smart-contract risks banks don't have.
Are stablecoins safe?
Regulated, fully-reserved issuers are far safer than the early era, but de-pegs and platform failures have happened. The yield is compensation for real risk.
Is the yield taxable?
Usually yes, as income when received — like interest. Rules vary by country.
Tips
- Never invest more than you can afford to lose — crypto is volatile.
- Self-custody means responsibility: back up your seed phrase offline.
- Check fees and spreads — they quietly eat small trades.
Key terms
- Staking
- Locking coins to secure a network and earn rewards.
- DCA
- Dollar-cost averaging — buying fixed amounts on a schedule.
- Impermanent loss
- Value gap from providing liquidity vs simply holding.