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Savings Calculator

Our Return on Investment (ROI) calculator helps you determine how much you can save by using Summerstone's automated interest rate management services. Compare the costs of manual management to our automated solution and see the benefits over time.

Savings Calculator

Calculate your savings with our automated interest rate management

$10K$1M

Approximately every 1 month

Cost per adjustment: $6 (0.0018 ETH)

Cost Comparison

Self-Managed Costs

Gas Costs

-$0

0.0018 ETH × 12 adjustments/year


Interest Rate Loss

-$0

From suboptimal rate management (est. 1.5% higher rates)

Total Annual Cost:-$0

Automated Management

Management Fee

-$0

0.3% of loan amount ($100,000)


Interest Savings

+$0

From optimal rate management (1.5% lower rates)


Gas Savings

+$0

From avoiding manual transactions (12 per year)

Net Benefit:$0
ROI:0%
Monthly Savings:$0
Gas Price:5 gwei

Manual management may be more cost-effective for your situation:

For your specific scenario, the management fee may exceed the combined gas and interest savings. However, consider the time saved and the peace of mind from automated management.

How the Calculator Works​

The calculator compares two approaches to interest rate management:

Self-Managed Costs​

When managing interest rates manually, you incur two types of costs:

  1. Gas Costs: The ETH transaction fees paid each time you adjust your rate
  2. Interest Rate Loss: The additional interest costs from suboptimal rate management

Automated Management Benefits​

With Summerstone's automated management, you pay a small fee but gain several benefits:

  1. Optimal Rate Adjustments: Our solvers monitor the market continuously
  2. Zero Gas Costs: We handle all transaction expenses
  3. MEV Protection: Our specialized infrastructure protects your transactions

Customization Options​

You can adjust several parameters to match your specific situation:

  • Loan Size: The principal amount of your loan (affects both management fees and potential savings)
  • Adjustment Frequency: How often you would typically adjust rates if managing manually
  • Gas Price: Expected network conditions and transaction costs

Advanced options allow you to fine-tune:

  • Gas Units Per Adjustment: Complexity of your adjustment transactions
  • ETH Price: Current market value of Ethereum
  • Interest Rate Optimization: Estimated savings from optimal rate management
  • Calculation Timeframe: View results over 1, 2, or 5 years

Understanding the Chart​

The chart visualizes the comparison between costs and benefits over time:

  • Red Bars (Below Axis): Management fees (costs)
  • Green Bars (Above Axis): Gas cost savings
  • Blue Bars (Above Axis): Interest savings from optimal rate management
  • White Line: Net value (when this crosses above zero, you achieve positive ROI)

This visualization makes it easy to see exactly when the automated management starts providing positive returns on your investment.