चक्रवाढ व्याज म्हणजे काय?
चक्रवाढ व्याज मूळ रक्कम आणि जमा व्याज दोन्हींवर मोजले जाते. हिमखंड प्रभाव तयार करते.
In crypto, compound interest applies to staking rewards, DeFi yield farming, lending protocols, and savings accounts. Even small APY differences compound into massive gains over 5–10 years.
In crypto, compound interest applies to staking rewards, DeFi yield farming, lending protocols, and savings accounts. Even small APY differences compound into massive gains over 5–10 years.
सूत्र
मानक चक्रवाढ व्याज सूत्र:
सूत्र + मासिक योगदान
72 चा नियम
The Rule of 72 is a quick mental shortcut: divide 72 by your interest rate to estimate how many years it takes to double your money.
At 8% APY, your money doubles in ~9 years. At 12%, ~6 years. At 20%, ~3.6 years. This is why even small rate improvements matter enormously over time.
Compounding Frequency Comparison
More frequent compounding produces slightly higher returns. Here's $10,000 at 8% APY over 10 years with different frequencies:
| Frequency | Periods | $10,000 after 10yr |
|---|---|---|
| वार्षिक | 1/yr | $21,589.25 |
| त्रैमासिक | 4/yr | $22,080.40 |
| मासिक | 12/yr | $22,196.40 |
| साप्ताहिक | 52/yr | $22,241.73 |
| दररोज | 365/yr | $22,253.46 |
Crypto Staking & DeFi Yields
Cryptocurrency offers some of the highest compound interest rates available today. Here are typical APY ranges for popular protocols:
| Asset | Typical APY | Type |
|---|---|---|
| ETH (Ethereum) | 3–5% | Proof of Stake |
| SOL (Solana) | 6–8% | Proof of Stake |
| DOT (Polkadot) | 12–18% | Proof of Stake |
| USDT/USDC | 5–10% | DeFi Lending |
| ATOM (Cosmos) | 15–22% | Proof of Stake |
सामान्य चुका
शुल्क दुर्लक्षित करणे
गॅस शुल्क वार्षिक परताव्यातील 1–3% खाऊ शकतात.
Not accounting for impermanent loss
Liquidity pool yields often come with impermanent loss risk. A 50% APY means nothing if you lose 30% to IL.
Assuming APY stays constant
DeFi yields fluctuate wildly. Today's 20% APY may drop to 3% next month. Use conservative estimates for long-term projections.
वारंवार विचारले जाणारे प्रश्न
APR आणि APY मध्ये फरक काय?
APR सोपा वार्षिक दर आहे. APY चक्रवाढ प्रभाव समाविष्ट करतो.
How often should I compound?
More frequent is better: daily > monthly > annually. In DeFi, auto-compounding protocols handle this for you. In traditional staking, restake rewards as often as practical.
Is compound interest guaranteed in crypto?
No. Crypto yields are variable and carry smart contract risk, protocol risk, and market risk. Staking rewards are more predictable than DeFi yields.
कॅल्क्युलेटर कर विचारात घेतो का?
नाही. बहुतेक देशांत स्टेकिंग बक्षिसे करपात्र उत्पन्न आहे.
Can I lose money with compound interest?
The compounding itself doesn't lose money, but the underlying asset can. If your staked crypto drops 50% in price, your compounded rewards won't offset that loss.
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Set up price alerts and portfolio tracking. BeCoin notifies you when your targets are hit.
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