# Net APY

Net APY refers to the overall profitability or unprofitability of your account based on your current assets and loans.

Net APY is calculated as follows:​

​

$$
\begin{split}
Margin = \sum\_{assets} (SuppliedValue\_i\cdot SupplyAPY\_i -\newline BorrowedValue\_i\cdot BorrowAPY\_i)
\end{split}
$$

$$
Net APY = \begin{cases}
\frac{Margin}{totalSuppliedValue},\&if\ Margin>0\newline\newline \frac{Margin}{totolBorrowedValue}, \&if\  Margin <0\newline
0, \&if\ Margin=0 \end{cases}
$$

**Example**

Supplied: 1000 WAVES ($5000) with 4% Supply APY.

Borrowed: 1000 USDT ($1000) with 8% Supply APY.

Margin = 5000 ⋅ 0.04 – 1000 ⋅ 0.08 = 200 – 80 = 120 > 0

Net APY = 120 / 5000 = 0.024 = 2.4%


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