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 $0.0836 on Ethereum vs $0.0005 on Optimism — so to keep a positive return at ~3.6% APY over 30 days you need roughly $28.25 on Ethereum but only $0.1838 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
~3.6% 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% | $0.0836 | 3.50% | $28.25 |
USDC maple | Ethereum | 4.63% | $0.0836 | 4.53% | $21.97 |
SUSDE ethena-usde | Ethereum | 4.46% | $0.0836 | 4.36% | $22.82 |
USDT spark-savings | Ethereum | 2.50% | $0.0836 | 2.40% | $40.68 |
USDY ondo-yield-assets | Ethereum | 3.55% | $0.0836 | 3.45% | $28.65 |
USDS centrifuge-protocol | Ethereum | 3.77% | $0.0836 | 3.67% | $26.96 |
USDT maple | Ethereum | 4.05% | $0.0836 | 3.95% | $25.10 |
BUIDL blackrock-buidl | Ethereum | 3.55% | $0.0836 | 3.44% | $28.68 |
USTB invesco-ustb | Ethereum | 3.37% | $0.0836 | 3.27% | $30.14 |
USDS sparklend | Ethereum | 3.78% | $0.0836 | 3.67% | $26.93 |
BUSD0 usual-usd0 | Ethereum | 2.49% | $0.0836 | 2.39% | $40.79 |
GTUSDCP morpho-blue | Base | 3.86% | $0.0030 | 3.86% | $0.9411 |
SUSDS sky-lending | Arbitrum | 3.60% | $0.0099 | 3.59% | $3.35 |
USDS spark-savings | Arbitrum | 3.60% | $0.0099 | 3.59% | $3.35 |
USDT aave-v3 | Ethereum | 2.81% | $0.0836 | 2.71% | $36.18 |
STEAKUSDC morpho-blue | Base | 3.86% | $0.0030 | 3.86% | $0.9411 |
STEAKUSDC morpho-blue | Base | 3.13% | $0.0030 | 3.13% | $1.16 |
SENPYUSD morpho-blue | Ethereum | 2.58% | $0.0836 | 2.48% | $39.47 |
SENPYUSDMAIN morpho-blue | Ethereum | 5.39% | $0.0836 | 5.29% | $18.85 |
USDC spark-savings | Ethereum | 3.60% | $0.0836 | 3.50% | $28.25 |
SUSDAI usd-ai | Arbitrum | 8.00% | $0.0099 | 7.99% | $1.51 |
SUSDE aave-v3 | Ethereum | 3.94% | $0.0836 | 3.84% | $25.80 |
USDC aave-v3 | Ethereum | 3.01% | $0.0836 | 2.91% | $33.79 |
USDS spark-savings | Base | 3.60% | $0.0030 | 3.60% | $1.01 |
SDAI sky-lending | Ethereum | 1.25% | $0.0836 | 1.15% | $81.36 |
SENRLUSDV2 morpho-blue | Ethereum | 5.70% | $0.0836 | 5.60% | $17.84 |
SENRLUSD morpho-blue | Ethereum | 1.99% | $0.0836 | 1.89% | $51.11 |
STEAKUSDC morpho-blue | Base | 3.94% | $0.0030 | 3.94% | $0.9216 |
APXUSD apyx-protocol | Ethereum | 12.48% | $0.0836 | 12.38% | $8.15 |
BUIDL blackrock-buidl | Ethereum | 3.21% | $0.0836 | 3.10% | $31.73 |
“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.