The method
How it is worked out
Adjusted = amount × (1 + yield × (1 − tax))^years − fees − amount × 20% × P(peg break)
- peg break
- A stablecoin trading well below its currency; several have
Stablecoin Yield Calculator
Compare a stablecoin yield with a savings account after fees, tax and the chance of a peg break. The result updates as you type so you can compare scenarios quickly.
Keep in mind
What it leaves out
- CounterpartyCentralised yield platforms have failed with customer funds inside.
- Tax treatmentStablecoin interest may be taxed as income or as disposals; varies by country.
Use the calculator to compare scenarios rather than as a guaranteed forecast.
About the Stablecoin Yield Calculator
Compare a stablecoin yield with an insured savings account after tax, fees and a probability of the peg breaking.
How it works and an example to tryShow less
How to use the result
Both returns compound after tax; stablecoin fees are subtracted. Expected peg loss is 20% of the amount times the probability of at least one break over the period.
Example to try
£20,000 at 7% versus 4.5% savings, 20% tax, £80 of fees and a 3% yearly peg risk: the stablecoin nets £1,040, savings £720, but £120 of expected peg loss leaves a £200 edge for uninsured risk.
Put it to work
Try it on a real situation
Load an example
What moves the result most
Worked out from your figures above. Tap a row to try it.
Who uses it, and when
Savers tempted by stablecoin yields and advisers explaining the trade-off.
Mistakes worth avoiding
- Treating a stablecoin as cash.
- Forgetting that yield platforms have failed with customer funds.
- Ignoring tax, which may treat stablecoin interest differently.
Questions
What does the Stablecoin Yield Calculator do?
Compare a stablecoin yield with a savings account after fees, tax and the chance of a peg break.
How should I use the result?
Both returns compound after tax; stablecoin fees are subtracted. Expected peg loss is 20% of the amount times the probability of at least one break over the period.
Does TechBullion store the information I enter?
The core calculation or transformation runs in your browser. Normal website security and analytics may still record page-level events, but the tool does not need to create a public record from your inputs.
What mistakes do people make with a stablecoin yield calculator?
Treating a stablecoin as cash. Forgetting that yield platforms have failed with customer funds. Ignoring tax, which may treat stablecoin interest differently.
Is the result guaranteed?
No. Use the result as a practical check or planning aid and verify important decisions with the relevant primary source, provider or professional advice.
Executive Insights
Leaders on this topic
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Results are estimates based on the figures entered, for general information only, and not financial, investment, tax or legal advice. See our terms of use.