Model monthly deposits compounding at real DeFi pool rates. The planner above uses live DefiLlama data filtered by a $100K TVL floor. Education, not financial advice.
Fixed hypothetical rates for illustration only — not live rates, not a forecast:
| Monthly deposit | Hypothetical APY | Years | Total deposited | Illustrative value |
|---|---|---|---|---|
| $100 | 5% | 3 | $3,600 | $3,891 |
| $500 | 5% | 3 | $18,000 | $19,457 |
| $1,000 | 5% | 5 | $60,000 | $68,289 |
| $500 | 8% | 5 | $30,000 | $36,983 |
| $1,000 | 10% | 10 | $120,000 | $206,552 |
Monthly compounding of a recurring deposit (annuity-due): FV = P × ((1 + r)ⁿ − 1) / r × (1 + r), where P is the monthly deposit, r = APY ÷ 12, and n = years × 12. DeFi APYs change daily — the planner re-pulls live rates on every visit, which is why the table above is labeled illustrative.
DeFi yields are variable and can fall to zero. Pools carry smart contract, oracle, depeg, and liquidation risk. Nothing here is a bank deposit; no FDIC/SIPC protection applies. Education, not financial advice.