Yu'e Bao Revenue Calculator

Tool Guide

Tool Overview

The online Yu'e Bao earnings calculator can estimate your total earnings over a specified period based on Yu'e Bao's 7-day annualized yield, such as calculating how much interest Yu'e Bao can earn in a year.

Yu'e Bao's 7-day annualized yield can be seen on the Yu'e Bao page in Alipay, or you can search for Yu'e Bao online to find the fund quote for the Tianhong Yu'e Bao money-market fund.

The 7-day annualized yield refers to the figure obtained by annualizing the average return of the underlying asset over the past seven days. Yu'e Bao's daily earnings = principal × 7-day annualized rate / 365.

Yu'e Bao also has a per-10,000-units earnings calculation method, i.e. daily earnings = confirmed amount / 10,000 × per-10,000-units earnings.

Annualized yield = per-10,000-units earnings / 10,000 × 365 × 100%. For example, if the average per-10,000-units earnings is 0.6 yuan, then the annualized yield = 0.6 / 10,000 × 365 × 100% = 2.19%. Calculate the annualized rate for the most recent 7 days and take the average to get the 7-day annualized yield.

Since Yu'e Bao's daily yield fluctuates, the daily earnings will differ each day, so the result is only an estimate for reference.

Yu'e Bao's single-day earnings = confirmed amount × 7-day annualized yield / 365.

Of course, Yu'e Bao uses compound interest: single-day earnings accumulate into the subsequent principal to continue generating earnings. This tool accounts for this compounding and computes the total earnings on a daily basis.

Since Yu'e Bao settles on a daily cycle, choosing months or years automatically converts to days for calculation. By default, one month is calculated as 30 days and one year as 365 days.

The compound interest formula is: F = A × (1 + i)^n, where A is the principal, n is the number of periods, and i is the rate; that is: compound future value = principal × (1 + rate)^deposit term.

Please note that Yu'e Bao calculates earnings based on per-10,000-units earnings; the 7-day annualized yield is merely the annualized average of the most recent seven days, used only as a reference for and comparison of annualized rates. For the same day's earnings data, the results calculated using per-10,000-units earnings and the 7-day annualized yield are very likely to differ. The 7-day annualized yield is a seven-day average, whereas the per-10,000-units earnings is the fixed value for that day and is also the actual basis on which earnings are paid.