Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Extra earned vs savings
$372
Stablecoin after-tax yield
$1,026
Savings after-tax yield
$654
Risk-adjusted APY
6.75%
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How to use this
- 1Enter amount deposited ($).
- 2Enter stablecoin apy (%).
- 3Enter risk haircut on yield (%).
- 4Enter savings account apy (%).
- 5Enter marginal tax rate (%).
- 6Read your extra earned vs savings on the right — it updates as you type.
- 7Hit Share to keep the scenario or send it to someone.
About this calculator
Adjust an advertised stablecoin APY for platform-risk haircut and taxes, then compare it to a plain high-yield savings account.
Worked example
Using the values the calculator loads with:
Inputs
- Amount deposited: 20000 $
- Stablecoin APY: 9 %
- Risk haircut on yield: 25 %
- Savings account APY: 4.3 %
- Marginal tax rate: 24 %
Results
- Extra earned vs savings: $372
- Stablecoin after-tax yield: $1,026
- Savings after-tax yield: $654
- Risk-adjusted APY: 6.75%
What each field means
Inputs
- Amount deposited ($)
- The amount deposited used in the calculation, measured in $. Starts at 20000 $ so you have a working example on load.
- Stablecoin APY (%)
- The stablecoin apy used in the calculation, measured in %. Starts at 9 % so you have a working example on load.
- Risk haircut on yield (%)
- The risk haircut on yield used in the calculation, measured in %. Starts at 25 % so you have a working example on load. Accepted range: 0–100 %.
- Savings account APY (%)
- The savings account apy used in the calculation, measured in %. Starts at 4.3 % so you have a working example on load.
- Marginal tax rate (%)
- The marginal tax rate used in the calculation, measured in %. Starts at 24 % so you have a working example on load.
Results
- Extra earned vs savings
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Stablecoin after-tax yield
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Savings after-tax yield
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Risk-adjusted APY
- Returned as a percentage. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the stablecoin yield calculator work?
Adjust an advertised stablecoin APY for platform-risk haircut and taxes, then compare it to a plain high-yield savings account.
What do I need to enter?
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.
What does the extra earned vs savings result mean?
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.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
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.
Who is this tool for?
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.
Accuracy and 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.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Stablecoin Yield Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/stablecoin-yield
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/stablecoin-yield" target="_blank" rel="noopener">Stablecoin Yield Calculator — RevenueLab</a> (2026).</p>
Source: [Stablecoin Yield Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/stablecoin-yield) (2026).