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APR/APY + IL simulator + HODL vs LP compare, browser-only.
A yield calculator that converts between APR and APY across 6 compounding frequencies, projects your earnings over any time period, and includes an impermanent loss simulator for 50/50 liquidity pools. Compares HODL vs LP returns with fee income factored in. The math protocols don't show you upfront.
Most yield calculators only convert APR to APY and stop there. We add impermanent loss math (the 2*sqrt(r)/(1+r)-1 formula every LP user should know), HODL-vs-LP comparison with fee earnings, and a day-by-day yield simulation chart. Browser-only, unlimited, no signup.
Most yield calculators stop at APR/APY. We add the impermanent loss math because it's the missing variable that bankrupts LP positions.
Same capital, two strategies, side by side with fees. Decide whether to provide liquidity or just hold based on math, not vibes.
Most DeFi protocols compound on every block. We support continuous (e^rt) for accurate projections. Other tools only do yearly/monthly.
Your wallet sizes and strategies are private. Yield calculator websites that require email or a wallet connection see all of it.
| Feature | Molixa | APY.com | Finematics | DeFi Pulse |
|---|---|---|---|---|
| APR ↔ APY converter | Yes (6 freq) | Yes (4 freq) | Yes | Yes |
| Continuous compounding | Yes | No | No | No |
| IL simulator | Yes | No | Educational only | No |
| HODL vs LP comparison | Yes | No | No | No |
| Day-by-day chart | Yes | No | No | No |
| Free, no signup | Yes | Yes (ads) | Yes (ads) | Yes |
| Browser-only | Yes | Server | Server | Server |
Yes. Unlimited use, no signup, no daily cap. APY/APR math, yield simulation, and impermanent loss all run in your browser. APY.com and Finematics are free but ad-supported and miss the IL simulator; we ship both.
APR is the simple annual rate. APY accounts for compounding within the year. A pool advertising 100% APR with daily compounding is actually 171% APY. Always check which one a protocol shows you, the difference is huge for high-rate pools.
When you provide liquidity to a 50/50 pool, the AMM rebalances your tokens as their prices change. If one token doubles while the other stays flat, you end up with less of the appreciating token than if you'd just held both separately. The dollar value gap is impermanent loss.
Only if prices return to the original ratio. If a token 10x's and stays there, your LP position permanently underperforms a simple HODL. The 'impermanent' name is misleading. Many LP providers lose money to IL even after fees.
Most DeFi protocols compound on every block (effectively continuous). Pick 'continuous' for that. For staked tokens with explicit reward intervals (Cosmos validators, Rocket Pool, etc.), pick the actual interval.
The math is correct. The inputs are your responsibility. Most DeFi APRs change daily based on pool TVL, reward emissions, and gas-cost overhead. Plug in current numbers from the protocol's UI and re-run.
X-axis is the price change of one token relative to the other. Y-axis is impermanent loss percent. The curve is symmetric around 0% (no change = no IL). At ±50% change, IL is about 5.7%. At 4x (300% change), IL is 20%.
Not modeled directly. For high-frequency yield strategies on Ethereum L1, gas can wipe out small positions. Add a fixed gas cost in your spreadsheet for realistic projections. L2s (Arbitrum, Optimism, Base) have negligible gas.
Yes via the daily compounding option. Yearn-style auto-compounders harvest rewards and re-deposit, which mathematically equals daily compounding at most protocols. Use the daily setting to approximate.
No. The calculator is pure browser math. Your wallet balances, your strategies, your numbers stay on your laptop. We don't even know you're using the calculator.
APR/APY converter, day-by-day chart, IL simulator, HODL vs LP. Free unlimited.
Open the yield calculatorThe DeFi Yield Calculator page is built, reviewed, and maintained by the Molixa team. We use the tool we ship and update the docs when the behavior changes.