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Cash & CDs
APY, terms, early-withdrawal penalties, insured ownership, and ladder design.
Open guideYield intelligence without fake certainty
Unmask the income behind every rate.
YieldMask.com turns CD APY, dividend ETF payouts, Treasury fund rates, business checking income, USDC and USDT rewards, tokenized assets, DeFi APY, and staking returns into one decision framework: what pays, what locks, what costs, and what can break.
Rate definitionAPY ≠ SEC yield ≠ distribution rate
Liquidity clockSame day, maturity, queue, or market
Net frictionFees, spreads, penalties, and tax drag
Risk engineBank, fund, borrower, validator, or code
01APY02SEC YIELD03DISTRIBUTION RATE04NET YIELD05LOCKUP06FEES07LIQUIDITY08COUNTERPARTY09SMART CONTRACT10DECISION YIELD01APY02SEC YIELD03DISTRIBUTION RATE04NET YIELD05LOCKUP06FEES07LIQUIDITY08COUNTERPARTY09SMART CONTRACT10DECISION YIELD
One site, six yield lenses
Compare by mechanism—not marketing category.
A cash product and a digital-asset strategy can display similar percentages while giving you completely different rights, access, and loss exposure.
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Treasury Income
Direct bills, government money market funds, ETFs, and tokenized Treasury wrappers.
Open guide📊
Income ETFs
Dividend rates, SEC yield, distribution source, total return, and portfolio exposure.
Open guide🏢
Business Checking
Blended APY, account fees, payment rails, sweep programs, and access resilience.
Open guide🪙
Stablecoin Yield
USDC, USDT, lending, DeFi incentives, custody, reserves, and exit paths.
Open guide⚡
Staked Assets
Ethereum, Solana, validators, liquid staking, DeFi vaults, and token-denominated rewards.
Open guideThe Yield Mask
Headline yield is the beginning of the comparison.
A useful number survives the deductions. Start with the advertised rate, subtract explicit costs, price the lockup and access path, account for tax context, and identify the risk premium required by the wrapper.
Headline yield− fees− lockup− tax drag− risk premium= decision yield
Learn every yield label
Wrapper matrix
Similar rates. Different contracts.
This educational matrix shows why rate comparison starts with the legal and operational wrapper.
| Wrapper | Rate language | Typical access | Principal behavior | Verify first |
|---|---|---|---|---|
| Bank CD | APY | Maturity or penalty | Deposit contract | Institution, ownership, penalty |
| Dividend ETF | Distribution / dividend yield | Exchange trading | Market price moves | Holdings, total return, expenses |
| Treasury money market fund | Seven-day yield | Business-day redemption | Fund NAV and portfolio | Fund type, expenses, settlement |
| Stablecoin lending | Variable APY | Platform or protocol withdrawal | Token, credit, code risk | Issuer, custody, yield source |
| Native staking | Token reward rate | Protocol and provider exit | Token value fluctuates | Validator, fees, penalties |
| Tokenized Treasury | Portfolio or token yield | Issuer redemption / market | Legal claim plus token layer | Documents, custody, contract |
Income scenario calculator
Turn a rate into dollars—then apply a haircut.
Choose preset assumptions to see annual income, average monthly income, and compounded balance. No account connection or personal data entry is required.
PrincipalIllustrative balance
Gross annual rateNot a live quote
TimeCompounded monthly
Annual fee haircutSimple planning assumption
Scenario output
Decision-yield estimate
Net planning rate4.50%
Annual income$1,125
Average monthly$94
Compounded ending$28,610
Estimated compound gain$3,610
The calculator uses transparent arithmetic, not live market data or a recommendation. It does not model taxes, loss of principal, early-withdrawal penalties, token-price changes, variable rates, or payment timing.
Latest research
Field guides for the rate behind the rate.
Long-form, source-linked articles covering yield math, digital assets, Treasury wrappers, and income products.
Ethereum vs. Solana Staking Income: Rewards, Liquidity, and Validator Risk
Compare ETH and SOL staking by reward source, validator selection, custody, liquidity, token dilution, slashing or penalty exposure, and liquid-staking layers.
Read the guide
Bitcoin Income Strategies: Yield Without Native Bitcoin Staking
Understand how Bitcoin income offers are built through lending, options, mining, tokenized representations, and liquidity strategies—and which risks create the yield.
Read the guide
Yield Income Calculator Guide: Turn APY Into Monthly Cash Flow
Learn how to translate APY into estimated monthly income, distinguish simple yield from compounding, and model fees, taxes, rate changes, and withdrawals.
Read the guideiOS + Android
Install YieldMask as a mobile web app.
Add the progressive web app to a supported iPhone, iPad, or Android home screen. The calculator runs locally with preset scenarios, and core site assets can be cached after a visit.
FAQ
Yield, without the fog.
What is a Yield Mask?
It is a comparison layer that starts with a headline yield and makes fees, liquidity, taxes, wrapper structure, and risk visible before a decision.
Does YieldMask.com recommend investments or bank accounts?
No. The site provides educational frameworks, illustrative calculations, and research. It does not provide individualized financial advice or live product rankings.
Are the calculator rates current?
No. Preset rates are examples chosen to demonstrate formulas. Verify current rates, fees, and terms directly with the provider.
Why compare stablecoins with CDs and funds?
They may compete for the same cash allocation, but the legal rights, custody, liquidity, and loss paths differ. A normalized worksheet exposes those differences.
Is there a YieldMask iOS or Android app?
YieldMask is an installable progressive web app. It can be added to supported iOS and Android home screens without a claimed native app-store listing.