Ano ang Compound Interest?
Ang compound interest ay kinakalkula sa principal at sa naipon na interest. Gumagawa ito ng snowball effect.
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.
Formula
Ang standard na compound interest formula:
Formula + Buwanang Kontribusyon
Rule of 72
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.
Paghahambing ng frequency
$10,000 sa 8% APY sa loob ng 10 taon:
| Frequency | Periods | $10,000 pagkatapos ng 10 yr |
|---|---|---|
| Taunan | 1/yr | $21,589.25 |
| Quarterly | 4/yr | $22,080.40 |
| Buwanan | 12/yr | $22,196.40 |
| Lingguhan | 52/yr | $22,241.73 |
| Araw-araw | 365/yr | $22,253.46 |
Crypto Staking at DeFi Yields
Nag-aalok ang crypto ng pinakamataas na compound interest rates:
| Asset | Karaniwang APY | Uri |
|---|---|---|
| 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 |
Karaniwang Pagkakamali
Hindi binibilang ang fees
Ang gas at protocol fees ay kayang kumain ng 1–3% ng taunang kita.
Hindi isinasaalang-alang ang impermanent loss
Walang silbi ang 50% APY kung mawala ang 30% sa IL.
Inaasahang pare-pareho ang APY
Ang DeFi yields ay labis na nagbabago.
Mga Madalas Itanong
Ano ang pagkakaiba ng APR at APY?
Ang APR ay simpleng taunang rate. Ang APY ay kasama ang compounding effect.
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.
Isinasama ba ng calculator ang buwis?
Hindi. Sa karamihan ng bansa, ang staking rewards ay taxable income.
Maaari bang malugi sa compound interest?
Ang compounding mismo ay hindi nalulugi, pero ang asset ay maaaring bumaba.
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