Yield Calculator: Advertised vs. Real
Every yield has a fine-print number. Pick an asset, enter an amount, and see both. Stocks & staking data checked November 9, 2026; lending data November 9, 2026 — refreshed weekly. DCA mode shows what steady buying — every day, week or month — would have done over the last 1 to 25 years, and its Forward sight view replays the same plan from every past starting point to show the track record. Price assumes mode turns a valuation around — choose the multiple you would call fair and see the yearly fees or revenue today's price needs to be right. The dividend mode also looks back: what a one-time buy actually paid in cash dividends over the last 1 to 10 years, plus a Forward sight replay of that same buy from every past starting month.
How to read this: stock yields use the last 12 months of actual distributions (TTM), not the forward headline rate. Crypto real yield = staking reward rate minus token inflation (Staking Rewards) — new supply dilutes everyone who isn't staking. Rough 1Y total = 1-year price change plus the year's distributions measured against the price a year ago, a rear-view estimate, not a promise. Lending APY splits into borrower interest (the durable part) plus any incentive top-up (a marketing budget that can vanish), and the lending math plans on the 30-day average rate because spot rates spike when a pool is nearly fully lent out. Projections compound at a flat rate and a flat price; real prices move. Ethereum's inflation is gross issuance before the fee burn, so its real yield is understated when burn is high. Price assumes divides a market cap by a year of fees or revenue to get today's multiple, then shows the yearly figure the price needs at the multiple you pick. The dividend history views count dividends as cash taken out, never reinvested, and their Forward sight is a replay of past stretches, not a forecast.
Sources: Yahoo Finance (dividends, prices), CoinGecko (crypto prices), Staking Rewards (reward and inflation rates), checked November 9, 2026; Aave official API and DefiLlama (lending rates), checked November 9, 2026; Coinbase and Yahoo Finance (DCA price history), pulled November 9, 2026. Price assumes presets: market caps from CoinGecko and Yahoo Finance with fees and revenue from DefiLlama fees and our own earnings coverage, checked November 9, 2026; dividend history views: Yahoo Finance month-end closes and per-share dividends summed by month, pulled November 9, 2026. Not financial advice.
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