Crypto Passive Income Calculator

Crypto passive income is yield you earn by putting your on-chain assets to work instead of leaving them idle in a wallet. You deposit, stake, or lend tokens, and the protocol pays you a return over time, usually expressed as an annual percentage yield (APY).

It is called passive because once your capital is deployed, the income accrues without you trading or timing the market. You still need to choose where to allocate, monitor the position, and understand the risks, but the earning itself runs in the background.

The yield can come in the same token you deposited (for example more ETH from staking) or in a separate reward token. Either way, the core idea is the same: your capital generates a recurring return measured as a percentage per year.

This crypto passive income calculator turns two simple inputs, your capital and your expected APY, into clear numbers: how much you would earn per month and per year. It removes the mental math so you can compare opportunities in seconds.

It also projects your income forward over several years and lets you add a recurring monthly top-up. That way you can see not just what your position pays today, but what it could pay as your balance compounds and grows.

Think of it as a planning tool. It shows the shape of an outcome under the assumptions you enter. The real yield will move over time, which is exactly why monitoring matters once you are actually deployed.

The base formula is straightforward: capital multiplied by APY equals annual income. Divide that by twelve and you get a rough monthly figure. For example, 10,000 dollars at 8 percent APY produces 800 dollars per year, or about 67 dollars per month.

When you add compounding, the earnings you receive are reinvested, so each period you earn yield on a slightly larger balance. Over months and years this snowball effect grows the total faster than a flat calculation would suggest.

If you also add a monthly top-up, the calculator adds your contribution to the balance each month before applying yield. Capital grows from two directions at once: your new deposits and the compounding yield on everything already deployed.

The inputs are the levers you control. Starting capital is what you deploy today. APY is the expected annual yield. The time horizon sets how many years to project. The monthly top-up is any recurring amount you plan to add.

The results answer three questions. Monthly income now shows what your current balance pays this month. Monthly income in N years shows what the grown balance could pay later. Total income shows everything earned across the full horizon.

• Starting capital: the amount you deploy at the start
• APY: expected annual yield, entered as a percentage
• Time horizon: how many years to project forward
• Monthly top-up: recurring amount added each month
• Results: monthly income now, monthly income in N years, and cumulative total income

Passive income on-chain comes from several distinct mechanisms, each with its own risk and return profile. Knowing which one you are using helps you pick a realistic APY for the calculator and understand what could change it.

• Lending interest: supply assets to money markets like Aave, Morpho, or Euler and earn interest paid by borrowers
• Staking rewards: secure a network or a liquid staking protocol and earn protocol issuance, common for ETH and other proof-of-stake assets
• Liquidity provider fees: deposit a token pair into a DEX like Uniswap and earn a share of trading fees
• Yield vaults: deposit into automated strategies that route capital across protocols and auto-compound rewards
• Pendle fixed yield: buy principal tokens (PT) on Pendle to lock in a known fixed yield until a set maturity date

Some sources pay a floating rate that changes block by block, like lending and LP fees. Others, like a Pendle PT held to maturity, give you a fixed return known in advance. The calculator works for both, but a floating rate is an estimate, not a promise.

Higher APY almost always means higher risk. Before you trust a number, ask where the yield comes from and what would make it disappear. A sustainable yield is paid by real economic activity, such as borrowing demand or trading fees, not just by token emissions.

• Lower risk, roughly 2 to 6 percent: blue-chip stablecoin lending and major asset staking on established protocols
• Medium risk, roughly 6 to 15 percent: LP positions on liquid pairs, vault strategies, and incentivized lending markets
• Higher risk, 15 percent and above: new protocols, exotic pairs, and emissions-driven farms where the headline rate often fades fast

Use conservative numbers in the calculator. If a farm advertises 80 percent APY, model it at a fraction of that, because emissions-heavy yields rarely hold once incentives taper or more capital arrives to dilute the pool.

To work backwards from a goal, flip the formula. Required capital equals desired annual income divided by APY. Multiply your target monthly figure by twelve first to get the annual number.

For example, to earn 1,000 dollars per month, you need 12,000 dollars per year. At 8 percent APY that requires 150,000 dollars of capital. At 5 percent it requires 240,000 dollars, and at 12 percent it requires 100,000 dollars.

This is why both the yield and the realism of that yield matter so much. Reaching for a higher APY lowers the capital you need on paper, but it raises the chance the yield will not hold, which quietly breaks the plan.

The most common error is treating an APY as fixed. Most on-chain yields float and can fall sharply when borrowing demand drops or reward programs end. A 12 percent rate today can be 4 percent next month.

Another mistake is ignoring token price risk. Earning 20 percent APY in a reward token means little if that token loses half its value. Always think in terms of the dollar value of both your principal and your yield, not just the percentage.

• Assuming the displayed APY is locked in when it is actually variable
• Ignoring impermanent loss in LP positions when the two assets diverge in price
• Counting reward-token yield at face value while the token price declines
• Forgetting gas costs, bridging fees, and the tax treatment of earned yield
• Chasing the highest headline number without checking where the yield comes from

Suppose you start with 20,000 dollars and supply stablecoins at a steady 7 percent APY. Day one, that is about 1,400 dollars per year, or roughly 117 dollars per month, before any compounding.

Now add a 500 dollar monthly top-up and let everything compound for five years. Your balance grows from both the new deposits and the reinvested yield, pushing your monthly income well above the starting figure by the end of the horizon.

The calculator shows this progression at a glance: a modest monthly income today, a larger one in five years, and a cumulative total that combines every dollar of yield earned along the way. Change the APY and you immediately see how sensitive the outcome is to the rate you assume.

These projections are estimates, not guarantees. On-chain yields change constantly, sometimes within the same day, as markets, incentives, and protocol parameters move. No calculator can predict the exact rate you will earn next year.

Smart contract risk, depegs, liquidations, and protocol incidents can all reduce or erase returns regardless of the headline APY. A realistic plan treats the calculator output as a best-case planning aid and keeps a margin of safety.

Always do your own research on each protocol, understand how the yield is generated, and never deploy capital you cannot afford to have locked or impaired. The number on screen is a starting point for thinking, not a promise of payment.

A projection is only useful if reality stays close to your assumptions, and on-chain it rarely does on its own. Otomato exists to close that gap. Paste a wallet address and Otomato automatically detects your yield-bearing positions across 11 chains, from Aave and Morpho lending to Pendle maturities, Uniswap LP ranges, and vault deposits.

Once your positions are detected, Otomato monitors them under the hood and alerts you only when something deserves your attention. If an APY falls below your threshold, a reward program ends, a Pendle PT approaches maturity, or a position drifts toward risk, you get a clear, actionable alert instead of finding out weeks later.

That is the difference between a static estimate and a yield plan that actually holds. The calculator helps you set the target. Otomato makes sure you are the first to know when the real yield moves away from it, so you can act before your passive income quietly erodes.