# Lending Yield Optimizer

> Enter capital and an assumed rate to estimate Bitfinex funding APR, annual/daily profit, shortest payback and first-year net rate. Estimates, not guaranteed.

- URL: https://falconlend.ai/en/calculator/
- Updated: 2026-10-28

Enter your capital and assumed rate; the system auto-matches the best plan and estimates annual/daily profit, payback, and net rate (platform fee optional).

## Inputs

- **Your capital**: the amount you plan to lend.
- **Assumed minimum APR (%)**: the assumed annual lending rate.
- **Assumed minimum daily rate (%)**: linked to the APR (daily × 365 = APR); change either field and the other updates automatically. A "History →" link next to it opens [Rate History](https://falconlend.ai/en/funding-rate/) in a new tab.
- **Deduct exchange cost**: deducts up to 15% platform fee from interest; it can be lower depending on membership.
- **Billing**: monthly or annual.

## Outputs

Lending amount, APR, daily rate, annual profit, daily profit, plan cost, shortest payback (days), first-year net profit, and first-year net rate. See [plans](https://falconlend.ai/en/plans.md) for pricing.

For the interactive calculator, open the [calculator page](https://falconlend.ai/en/calculator.md) in a browser (browsers that support WebMCP also expose it as a tool to agents).

Nothing is calculated when a value is too large (beyond JavaScript's safe integer range).

Estimates based on your input and historical averages. Not guaranteed; rates fluctuate with the market.

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## Risk Disclosure

1. **Rate volatility**: Funding rates float with market supply and demand; there is no fixed or guaranteed return. You can set a "minimum lending rate," but setting it too high may leave funds idle and unlent, lowering your effective APR.
2. **Exchange / platform risk**: Your funds are held at a third-party exchange (e.g., Bitfinex). Insolvency, hacks, frozen withdrawals, or regulatory changes could cause loss or make funds unrecoverable — outside this platform’s control.
3. **Crypto price volatility**: If collateral value drops sharply, default losses can still occur under extreme conditions.
4. **Liquidity risk**: In quiet markets, funds may not be lent out or may not be redeemable immediately.
5. **Smart contract / technical risk**: System errors, downtime, and operational mistakes can occur.
6. **Regulatory risk**: Crypto regulation in Taiwan and the US continues to evolve and may affect the service or your taxes.
7. **Tax responsibility**: Reporting lending income is your own responsibility.
8. **Platform service risk**: The platform only helps execute lending; if the service is interrupted, you must manage your positions yourself.

**Important:**

This site is for informational purposes only and is **not investment or financial advice**. Lending **does not guarantee principal or returns**; it is not a deposit and is not insured, and past performance does not indicate future results. 

Please read Bitfinex’s public disclosures and assess the risks yourself before lending, or consult a professional. 

We make a good-faith effort to keep information up to date, but markets change quickly; if anything differs from a third-party platform’s announcements, the third-party platform prevails. 

FalconLend’s official social accounts are for sharing information only. We will never message you first, or ask for your API keys, passwords, or any transfer. Beware of impersonators.

Full page: https://falconlend.ai/en/risk/