Aave borrow cost calculator
Pick what you are borrowing and how much. The rate fills in from live Aave data and you can change it to test other scenarios.
- Interest per day
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- Interest per month
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- Interest per year
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Because the rate moves, the long-run average is a better guide than today's number:
Aave's variable rate changes all the time, so treat this as an estimate, not a quote. See why the average differs from the current rate.
How the cost is worked out
Aave quotes borrow rates as APY, which already includes compounding: interest is added to your debt continuously, and then earns interest itself. So the calculator does not simply divide the yearly rate by 365. It finds the daily and monthly rate that compound to the APY over a year, and applies it to your loan.
The result is what the loan would cost if today's rate held steady. In practice the variable rate moves with utilization, sometimes sharply for a few minutes when a pool is nearly empty. For USDC and USDT on Aave's main Ethereum market the calculator also shows the real 30-day and 1-year averages, taken from the USDC and USDT borrow rate trackers, which are a better guide to a long loan than today's number.
Interest is only part of the picture. Before you borrow, check how safe the loan is with the health factor calculator, and compare rates across markets on the best rates page.
Borrow cost: quick answers
How much does it cost to borrow on Aave?
It depends on the asset and the market. The borrow APY for each one moves with how much of its pool is lent out. Enter your loan above to see the cost per day, month and year at the live rate.
Is the Aave borrow rate fixed?
No. Aave loans pay a variable rate that can change whenever anyone supplies, borrows, repays or withdraws. Treat any cost estimate as a guide, not a quote.
Why is my real interest different from the calculator?
Because the rate moved while you held the loan. Short spikes when a pool is nearly empty add up, which is why the long-run average is often a better guide than today's rate.