DeFi yield after gas
Yield trackers quote gross APY. What you actually keep depends on the gas to enter and exit — which can quietly erase the yield on a small position. This tool shows net APY after gas and the minimum position to break even, across Ethereum and L2s, using live gas prices. Right now a round-trip (deposit + withdraw) costs about $0.0719 on Ethereum vs $0.0008 on Optimism — so to keep a positive return at ~4.5% APY over 30 days you need roughly $19.43 on Ethereum but only $0.2273 on Optimism. The gap widens sharply when mainnet gas spikes — that's exactly when this matters most.
Net yield by pool
Curated stablecoin pools (single-asset, no impermanent loss, TVL ≥ $1M). Adjust your position and hold period to see what survives gas.
Net APY = gross APY minus the gas to enter & exit, amortized over your hold period.
Net APY vs position size
~4.5% gross · 30-day hold · Ethereum vs Optimism
Below the dashed line, gas eats the yield. Both lines converge to gross APY as the position grows — on Optimism that happens almost immediately; on Ethereum it takes a much larger position (and far more when gas spikes).
| Pool | Chain | Gross APY | Gas in+out | Net APY | Break-even |
|---|---|---|---|---|---|
SUSDS sky-lending | Ethereum | 3.80% | $0.0719 | 3.71% | $23.01 |
USDC maple | Ethereum | 5.19% | $0.0719 | 5.10% | $16.84 |
SUSDE ethena-usde | Ethereum | 4.79% | $0.0719 | 4.70% | $18.26 |
USDT maple | Ethereum | 5.23% | $0.0719 | 5.14% | $16.71 |
USDT spark-savings | Ethereum | 3.75% | $0.0719 | 3.66% | $23.31 |
USTB invesco-ustb | Ethereum | 3.83% | $0.0719 | 3.74% | $22.81 |
USDS sparklend | Ethereum | 3.98% | $0.0719 | 3.89% | $21.96 |
USDG maple | Ethereum | 4.92% | $0.0719 | 4.84% | $17.76 |
SUSDAI usd-ai | Arbitrum | 6.23% | $0.0157 | 6.21% | $3.06 |
BUSD0 usual-usd0 | Ethereum | 5.14% | $0.0719 | 5.05% | $17.00 |
SENRLUSDV2 morpho-blue | Ethereum | 5.43% | $0.0719 | 5.34% | $16.11 |
SIRLOINUSDC morpho-blue | Base | 5.73% | $0.0047 | 5.73% | $0.9991 |
USDT aave-v3 | Ethereum | 3.08% | $0.0719 | 2.99% | $28.43 |
GTUSDCP morpho-blue | Base | 4.61% | $0.0047 | 4.61% | $1.24 |
SPARKUSDC morpho-blue | Base | 4.14% | $0.0047 | 4.14% | $1.38 |
USDS sparklend | Ethereum | 2.70% | $0.0719 | 2.61% | $32.42 |
USDE morpho-blue | Base | 4.75% | $0.0047 | 4.74% | $1.21 |
SENPYUSDMAIN morpho-blue | Ethereum | 5.37% | $0.0719 | 5.28% | $16.28 |
USDS spark-savings | Arbitrum | 3.80% | $0.0157 | 3.78% | $5.02 |
SUSDS sky-lending | Arbitrum | 3.80% | $0.0157 | 3.78% | $5.02 |
USDS centrifuge-protocol | Ethereum | 2.60% | $0.0719 | 2.51% | $33.64 |
REUSD re | Ethereum | 6.81% | $0.0719 | 6.72% | $12.85 |
USDC spark-savings | Ethereum | 3.80% | $0.0719 | 3.71% | $23.01 |
USAT centrifuge-protocol | Ethereum | 3.84% | $0.0719 | 3.75% | $22.79 |
SXSRLUSD morpho-blue | Ethereum | 0.18% | $0.0719 | 0.09% | $494.53 |
USDE aave-v3 | Ethereum | 0.24% | $0.0719 | 0.15% | $371.57 |
SGHO aave-v3 | Ethereum | 4.50% | $0.0719 | 4.41% | $19.43 |
SENPYUSDPRIMEV2 morpho-blue | Ethereum | 5.81% | $0.0719 | 5.72% | $15.06 |
SDAI sky-lending | Ethereum | 1.25% | $0.0719 | 1.16% | $69.94 |
STUSDS sky-lending | Ethereum | 5.64% | $0.0719 | 5.55% | $15.50 |
“Gas in+out” = approve + deposit + withdraw (≈316k gas) at live prices — a representative estimate; real costs vary by protocol. “Break-even” is the smallest position where net APY stays positive over your hold period.
Yields from DefiLlama; gas from Gas Fee Predictor live readings. Gas assumes a representative approve + deposit + withdraw (~316k gas) — actual costs vary by protocol. APY is gross and variable; this is informational, not financial advice. See our methodology.