Example
$10,000 at 5% APY, no monthly deposits, 1 year → ~$10,512 (~$512 interest).
Free tool · compound interest
Compound interest & APY calculator
Project how a fixed rate grows over time — the same math as a savings or compound-interest calculator, with optional live presets for USDT and USDC earn on exchanges.
Projected balance · 1 yr
$10,800.00
At 8.00% APY on your starting balance
Deposits $10,000.00+$800.00 interest
Total interest earned
$800.00
Total you put in
$10,000.00
Est. monthly income
$64.34
Return on deposits
+8.0%
Live: 15.00% APR · USDT @ BitMart
Match the label on your exchange product page
Loading chart…
ContributedInterest
Period breakdown (12 points)
| Period | Balance | Interest |
|---|---|---|
| Mo 1 | $10,064.34 | $64.34 |
| Mo 2 | $10,129.09 | $129.09 |
| Mo 3 | $10,194.27 | $194.27 |
| Mo 4 | $10,259.86 | $259.86 |
| Mo 5 | $10,325.87 | $325.87 |
| Mo 6 | $10,392.30 | $392.30 |
| Mo 7 | $10,459.17 | $459.17 |
| Mo 8 | $10,526.46 | $526.46 |
| Mo 9 | $10,594.19 | $594.19 |
| Mo 10 | $10,662.35 | $662.35 |
| Mo 11 | $10,730.96 | $730.96 |
| Mo 12 | $10,800.00 | $800.00 |
Period breakdown
| Period | Balance | Contributed | Interest |
|---|---|---|---|
| Mo 1 | $10,064.34 | $10,000.00 | $64.34 |
| Mo 2 | $10,129.09 | $10,000.00 | $129.09 |
| Mo 3 | $10,194.27 | $10,000.00 | $194.27 |
| Mo 4 | $10,259.86 | $10,000.00 | $259.86 |
| Mo 5 | $10,325.87 | $10,000.00 | $325.87 |
| Mo 6 | $10,392.30 | $10,000.00 | $392.30 |
| Mo 7 | $10,459.17 | $10,000.00 | $459.17 |
| Mo 8 | $10,526.46 | $10,000.00 | $526.46 |
| Mo 9 | $10,594.19 | $10,000.00 | $594.19 |
| Mo 10 | $10,662.35 | $10,000.00 | $662.35 |
| Mo 11 | $10,730.96 | $10,000.00 | $730.96 |
| Mo 12 | $10,800.00 | $10,000.00 | $800.00 |
Educational estimate. Rates, caps, and lock-ups vary by product.
With deposits
$5,000 at 7% APY + $100/mo, 3 years → ~$9,450 total interest on combined balance.
Live snapshot
Top USDT & USDC earn offers
Beginner-friendly flexible earn rows from BitHunt's yield table — sorted by rate, with Financial Safety context. Rates change often; verify on the exchange.
- #1USDT
BitMartFlexibleEst. APY7.6Show more15.00%
Flexible term
Flexible
- #2USDT
MEXCFlexibleEst. APY7.3Show more15.00%
Flexible term
Flexible
- #3USDT
TapbitFlexibleEst. APY6.5Show more15.00%
Flexible term
Flexible
- #4USDCBitMartFlexibleEst. APY7.6Show more
15.00%
Flexible term
Flexible
- #5USDC
XT.comFlexibleEst. APY6.7Show more15.00%
Flexible term
Flexible
Not financial advice. BitHunt tracks centralized exchange earn products for beginners — not DeFi vaults, dual investment, or structured products. Last refreshed with the yield table (ISR ~15 min).
Guide & FAQ
How compound interest and APY work
Classic compound-interest math for any fixed rate — plus live presets when you model USDT, USDC, or other exchange earn products.
What is compound interest — and how is APY different?
Compound interest means you earn returns on prior interest as well as your original balance — the same math behind savings calculators and long-term deposit plans.
APY is the effective annual yield after compounding. APR is the nominal rate — pick a compounding frequency (daily, weekly, monthly) so the projection matches the product. Use our APR vs APY converter for an exact translation.
How do I use this calculator?
- Enter starting balance and optional monthly deposit.
- Set the rate — apply the live preset or type APY/APR from your product page.
- Choose APY or APR mode and compounding frequency if needed.
- Pick a time horizon (3m–5y presets or custom years).
- Review balance, monthly income, chart, and period breakdown.
- For crypto earn, compare venues on BitHunt Yield before depositing.
Should I enter APR or APY?
| Label | Use when |
|---|---|
| APY | Page shows APY or effective annual yield |
| APR | Page shows APR — set compounding frequency |
How do monthly deposits change total interest?
Recurring deposits add new principal that also compounds over time — the same effect as topping up a savings or earn account each month.
Why can real results differ from the projection?
Projections assume the rate stays constant. Live products may change rates, cap balances, require lock-ups, or run promotions. For exchange earn, counterparty and product risk apply — confirm terms on the platform and review exchange safety ratings when comparing venues.