{
  "slug": "stablecoin-yield",
  "title": "Stablecoin Yield Calculator",
  "heading": "Stablecoin Yield Calculator",
  "category": "financial",
  "url": "https://www.revenuelab.fyi/toolbox/stablecoin-yield",
  "summary": "Compare stablecoin yield to a savings account after risk.",
  "description": "Adjust an advertised stablecoin APY for platform-risk haircut and taxes, then compare it to a plain high-yield savings account.",
  "formula": null,
  "dateModified": "2026-09-30",
  "run_url": "https://www.revenuelab.fyi/api/public/calc?tool=stablecoin-yield",
  "inputs": [
    {
      "id": "amount",
      "label": "Amount deposited",
      "kind": "number",
      "hint": null,
      "default": 20000,
      "unit": "$",
      "min": null,
      "max": null
    },
    {
      "id": "apy",
      "label": "Stablecoin APY",
      "kind": "number",
      "hint": null,
      "default": 9,
      "unit": "%",
      "min": null,
      "max": null
    },
    {
      "id": "riskHaircut",
      "label": "Risk haircut on yield",
      "kind": "number",
      "hint": null,
      "default": 25,
      "unit": "%",
      "min": 0,
      "max": 100
    },
    {
      "id": "hysa",
      "label": "Savings account APY",
      "kind": "number",
      "hint": null,
      "default": 4.3,
      "unit": "%",
      "min": null,
      "max": null
    },
    {
      "id": "tax",
      "label": "Marginal tax rate",
      "kind": "number",
      "hint": null,
      "default": 24,
      "unit": "%",
      "min": null,
      "max": null
    }
  ],
  "outputs": [
    {
      "id": "edge",
      "label": "Extra earned vs savings",
      "format": "currency",
      "hint": null,
      "primary": true
    },
    {
      "id": "crypto",
      "label": "Stablecoin after-tax yield",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "bank",
      "label": "Savings after-tax yield",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "adjApy",
      "label": "Risk-adjusted APY",
      "format": "percent",
      "hint": null,
      "primary": false
    }
  ],
  "worked_example": {
    "inputs": [
      "Amount deposited: 20000 $",
      "Stablecoin APY: 9 %",
      "Risk haircut on yield: 25 %",
      "Savings account APY: 4.3 %",
      "Marginal tax rate: 24 %"
    ],
    "outputs": [
      "Extra earned vs savings: $372",
      "Stablecoin after-tax yield: $1,026",
      "Savings after-tax yield: $654",
      "Risk-adjusted APY: 6.75%"
    ]
  },
  "how_to": {
    "title": "How to use this",
    "steps": [
      "Enter amount deposited ($).",
      "Enter stablecoin apy (%).",
      "Enter risk haircut on yield (%).",
      "Enter savings account apy (%).",
      "Enter marginal tax rate (%).",
      "Read your extra earned vs savings on the right — it updates as you type.",
      "Hit Share to keep the scenario or send it to someone."
    ]
  },
  "scenarios": [
    {
      "name": "Conservative",
      "description": "Lower-end numbers — what if things land soft?",
      "values": {
        "amount": 12000,
        "apy": 5.3999999999999995,
        "riskHaircut": 15,
        "hysa": 2.5799999999999996,
        "tax": 14
      }
    },
    {
      "name": "Typical",
      "description": "Defaults — the most common real-world setup.",
      "values": {
        "amount": 20000,
        "apy": 9,
        "riskHaircut": 25,
        "hysa": 4.3,
        "tax": 24
      }
    },
    {
      "name": "Ambitious",
      "description": "Higher-end numbers — what if things really pop?",
      "values": {
        "amount": 32000,
        "apy": 14.4,
        "riskHaircut": 40,
        "hysa": 6.88,
        "tax": 38
      }
    }
  ],
  "limitations": [
    "Results are estimates before tax, fees, and inflation unless an input explicitly covers them.",
    "Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.",
    "This is educational maths, not financial advice. Check anything contractual with the lender or your accountant."
  ],
  "faq": [
    {
      "q": "How does the stablecoin yield calculator work?",
      "a": "Adjust an advertised stablecoin APY for platform-risk haircut and taxes, then compare it to a plain high-yield savings account."
    },
    {
      "q": "What do I need to enter?",
      "a": "5 values: amount deposited, stablecoin apy, risk haircut on yield, savings account apy, and marginal tax rate. Each field starts with a sensible default, so you can change one number at a time and watch the result move."
    },
    {
      "q": "What does the extra earned vs savings result mean?",
      "a": "It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds."
    },
    {
      "q": "Is this calculator free, and do I need an account?",
      "a": "Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser."
    },
    {
      "q": "How accurate is the result?",
      "a": "It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them."
    },
    {
      "q": "Who is this tool for?",
      "a": "It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs."
    }
  ],
  "related": [
    "https://www.revenuelab.fyi/toolbox/crypto-staking-yield"
  ],
  "license": "CC-BY-4.0",
  "citation": "RevenueLab — Stablecoin Yield Calculator (https://www.revenuelab.fyi/toolbox/stablecoin-yield)"
}