What is your idle cash costing you?
No sign-up · Nothing is collected or sent anywhere · Coinstancy Pro rates as of September 2026
The short version
- Enter your balance, the rate your bank pays you today and a horizon. Everything is computed in your browser: nothing is collected or sent anywhere.
- The difference appears in dollars per year, per month and per day, then compounded over 1, 3 and 5 years.
- Coinstancy Pro rates as of September 2026: 6.00% with no lock, up to 6.75% on a 12-month term.
- Withdrawals are available within 48 hours. On a locked tier, an early exit returns your capital and forfeits the accrued interest.
- This is not a bank deposit and not FDIC insured. Every figure on the page is gross, before tax.
Enter your balance, current rate and horizon.
Your treasury
The reserve portion only. Leave payroll and payables at the bank.
Read it off your bank statement. Many business checking balances earn nothing — enter 0 if that is your case.
The horizon sets the tier. Longer commitment, higher rate — and an early exit forfeits the accrued interest.
Side by side, first year
Gross, before tax, assuming both rates hold for twelve months. Nothing you type here leaves your browser.
The gap, in dollars per year.
The full-year difference on the balance you entered.
What the decision is worth between two board meetings.
The cost of postponing the decision by one more week is seven of these.
What the calculator assumes
Projection over 1, 3 and 5 years.
| Horizon | At your current rate | At the Coinstancy Pro tier | Difference |
|---|---|---|---|
| 1 year | — | — | — |
| 3 years | — | — | — |
| 5 years | — | — | — |
Cumulative interest, gross of tax. Annual compounding on a balance that never changes is a modelling convention, not a promise: neither your bank rate nor the Coinstancy Pro grid is fixed for five years, and a locked tier holds its rate only for its term. Beyond that term the projection assumes you renew at the same rate, which is an assumption and not a commitment.
If the balance is not stable, use the other calculator
This page assumes a balance that sits still. If your cash is drawing down every month, the relevant question is how much runway you have and what yield would add to it — not what a static balance earns.
Open the burn rate and runway calculatorConditions and risks to keep in mind.
The rate is not guaranteed for a year
The calculator annualizes today’s grid. The APY is fixed and may be adjusted as market conditions evolve; a locked tier holds its rate for its term and no longer. Compounding one rate over five years is arithmetic, not a forecast, and no yield here is contractual beyond the term you select.
Early exit costs the interest, not the capital
If you take a locked tier and withdraw before the term ends, your capital is returned and the accrued interest is forfeited. There is no penalty on the principal. If you are not certain of the horizon, model the no-lock tier at 6.00% instead.
Liquidity is 48 hours, not same-day
Withdrawals are available within 48 hours. That is fine for a reserve and wrong for payroll cash. Only run this calculator on the portion of the balance you have already identified as untouched for the horizon you selected.
This is not a deposit and not FDIC insured
The gap the calculator shows is a yield difference, not a like-for-like comparison. A bank deposit and a covered stablecoin savings product carry different risks. Funds are covered by OpenCover on Sensitive Protocols defined by Coinstancy, subject to policy terms, limits and exclusions.
What coverage does not include
Coverage applies to specific protocol events — smart contract code bugs and errors, oracle manipulation or failure, liquidation failure, malicious governance takeovers. It does not cover a depeg of the underlying stablecoin, a yield below the advertised rate, or losses outside the listed events.
Figures are before tax
Every number on this page is gross. Interest earned on corporate treasury is taxable in most jurisdictions, and the treatment of stablecoin yield is not always the treatment of bank interest. Ask your accountant before the difference reaches your forecast.
The coverage terms are set out on the security page, the onboarding requirements on the compliance page, and the mechanism behind the yield on how it works. For the wider framing, see the treasury management guide.
This calculator is an arithmetic tool, not investment, tax or legal advice. It runs entirely in your browser: no figure you enter is stored, transmitted or associated with you, and no sign-up is required to use it.