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 $0.0369 on Ethereum vs $0.0008 on Optimism — so to keep a positive return at ~4.5% APY over 30 days you need roughly $10.03 on Ethereum but only $0.2188 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 | 3.60% | $0.0369 | 3.56% | $12.47 |
USDC maple | Ethereum | 5.03% | $0.0369 | 4.99% | $8.92 |
SUSDE ethena-usde | Ethereum | 4.48% | $0.0369 | 4.43% | $10.03 |
USDY ondo-yield-assets | Ethereum | 3.56% | $0.0369 | 3.52% | $12.61 |
USDT maple | Ethereum | 4.69% | $0.0369 | 4.65% | $9.56 |
USDS centrifuge-protocol | Ethereum | 3.25% | $0.0369 | 3.20% | $13.82 |
BUIDL blackrock-buidl | Ethereum | 3.59% | $0.0369 | 3.55% | $12.49 |
USTB invesco-ustb | Ethereum | 3.52% | $0.0369 | 3.47% | $12.76 |
USDS sparklend | Ethereum | 4.06% | $0.0369 | 4.02% | $11.06 |
BUSD0 usual-usd0 | Ethereum | 3.69% | $0.0369 | 3.64% | $12.17 |
SUSDAI usd-ai | Arbitrum | 7.02% | $0.0156 | 7.00% | $2.71 |
STEAKUSDC morpho-blue | Base | 4.74% | $0.0047 | 4.73% | $1.20 |
GTUSDCP morpho-blue | Base | 4.73% | $0.0047 | 4.73% | $1.20 |
USAT centrifuge-protocol | Ethereum | 5.76% | $0.0369 | 5.72% | $7.79 |
SENPYUSDMAIN morpho-blue | Ethereum | 6.65% | $0.0369 | 6.60% | $6.75 |
SIRLOINUSDC morpho-blue | Base | 5.93% | $0.0047 | 5.93% | $0.9568 |
SUSDS sky-lending | Arbitrum | 3.60% | $0.0156 | 3.58% | $5.27 |
USDS spark-savings | Arbitrum | 3.60% | $0.0156 | 3.58% | $5.27 |
USDT spark-savings | Ethereum | 3.25% | $0.0369 | 3.21% | $13.81 |
USDG maple | Ethereum | 4.94% | $0.0369 | 4.89% | $9.09 |
SENRLUSDV2 morpho-blue | Ethereum | 6.10% | $0.0369 | 6.06% | $7.35 |
USDE aave-v3 | Ethereum | 4.73% | $0.0369 | 4.69% | $9.49 |
USDE morpho-blue | Base | 4.75% | $0.0047 | 4.74% | $1.20 |
USDC spark-savings | Ethereum | 3.60% | $0.0369 | 3.56% | $12.47 |
SPARKUSDC morpho-blue | Base | 4.25% | $0.0047 | 4.24% | $1.34 |
SUSDE aave-v3 | Ethereum | 2.80% | $0.0369 | 2.76% | $16.01 |
USDS sparklend | Ethereum | 2.32% | $0.0369 | 2.27% | $19.36 |
REUSD re | Ethereum | 6.58% | $0.0369 | 6.54% | $6.82 |
STUSDS sky-lending | Ethereum | 5.41% | $0.0369 | 5.37% | $8.30 |
BUIDL blackrock-buidl | Ethereum | 3.25% | $0.0369 | 3.21% | $13.80 |
“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.