DeFi Lending Calculator - Aave & Compound Lending vs Borrowing Profitability
Calculate DeFi lending and borrowing profitability. See interest earned from lending, borrowing costs, and net yield across protocols like Aave and Compound.
DeFi Lending & Liquidation Calculator
💡 Why Use This DeFi Lending Calculator?
DeFi lending on Aave, Compound, and Morpho can earn 4-15% APY on stablecoins - outperforming most bank savings rates globally. This calculator computes your net yield from lending, the true cost of borrowing, and the collateralization ratio needed to avoid liquidation.
Pro Tip: Maintain a health factor above 1.5 on Aave (ideally 2.0+) - at 1.0 you get liquidated, losing a 5-8% penalty fee on top of the position loss.
Frequently Asked Questions
How do I earn from DeFi lending in 2026?›
Deposit USDC or ETH into Aave, Compound, or Morpho. Earn interest from borrowers (~3-12% APY on USDC). No lock-up period - withdraw anytime. Risks: smart contract vulnerability, oracle manipulation. Protocols like Aave have $5B+ TVL and 5-year security track records.
Is it safe to borrow against crypto on DeFi platforms in 2026?›
Yes, if health factor >1.5. Borrow against BTC or ETH to access liquidity without selling. Risk: if collateral price drops and health factor approaches 1.0, you get liquidated. Use this calculator to find the collateral amount needed to safely borrow your target amount.
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About This Tool
Calculate DeFi lending/borrowing P&L