How does the XRP yield calculator work?

The calculator applies XORA's published XRP balance tiers to an entered XRP balance, then estimates daily, monthly, and annual projected rewards. Native XRP yield and XORA token reward APY are shown separately.

Are XRP yield estimates guaranteed?

No. Estimates are projections based on currently published APY tiers. Crypto yield, XRP price, and XORA token rewards are variable and involve risk.

What APY tiers does XORA use?

XORA's published tiers are 22% APY for 0-1,000 XRP, 19% for 1,000-10,000 XRP, 17% for 10,000-100,000 XRP, and 15% for 100,000+ XRP. Each tier includes a native XRP yield component and a 7% XORA token reward component.

XRP tool · May 2026

XRP yield calculator

Estimate projected native XRP yield and XORA reward APY from a deposit balance. Built for XRP holders comparing idle custody, DeFi, and neobank yield.

22% top published tier, split between XRP and XORA rewards

daily projection assumes daily compounding

XRPL settlement and treasury verification on the XRP Ledger

Estimate rewards

XRP price: loading

XRP balance

XRP price, USD

Tier 1, 0-1,000 XRP 22.00% APY

Native XRP yield

0 XRP

15.00% APY

XORA reward estimate

0 XRP-eq

7.00% APY, XRP-equivalent estimate

12-month total estimate

0 XRP-eq

0 USD-equivalent

Daily estimate

0 XRP-eq

before market movement

This calculator is informational only. XORA rewards are token rewards, not guaranteed USD yield. Actual results can change with XRP price, XORA token price, treasury policy, and market risk.

Current XORA tiers

XORA publishes tiered APY based on account balance. Each tier combines native XRP yield and a 7% XORA token reward component.

Balance	XRP yield	XORA rewards	Total
0-1,000 XRP	15%	7%	22%
1,000-10,000 XRP	12%	7%	19%
10,000-100,000 XRP	10%	7%	17%
100,000+ XRP	8%	7%	15%

How to read the estimate

Native XRP yield is shown as projected additional XRP. XORA rewards are shown as XRP-equivalent for comparison because the reward token's market value can move independently.

For the full mechanical breakdown, read where XORA yield comes from. To compare this category against other XRP options, read how to earn yield on XRP.

Crypto yield is not a bank deposit. XORA is not FDIC insured. APY rates are variable estimates and can change. You can lose money, including principal.