Robinhood APY Calculator
- Dec 26, 2024
- 2 min read
Updated: Mar 8
Estimate how much your cash could earn in Robinhood.
What happend to Robinhood's standard APY?
On November 10, 2025, Robinhood ended their cash sweep program for non-gold members. This means that accounts require a Robinhood Gold membership to earn interest on uninvested cash.
What happened to the 1% APY?
In May of 2022, customers earned 1% from Robinhood's cash sweep program. The announcement was a massive increase from the previous 0.05% yield. That rate dropped to 0.01% in 2025, before it was officially ended on November 10, 2025 for non-gold members.
Does Robinhood have a good APY?
Robinhood Gold (the membership plan) has one of the top APYs amongst brokerage accounts. Below is a comparison list.
How much uninvested cash does an investor need to keep to make the Gold membership worth it?
An investor who keeps $1,228 of uninvested cash (with a 4.00% APY) may break even.
What amount is needed to earn $100 a month?
At a 4.00% APY, around $30k of uninvested cash is needed for a year.
Why would an investor have uninvested cash in Robinhood?
There are many reasons an investor may have uninvested cash:
after a dividend payment
after a money transfer
after selling a security or crypto
while waiting for a limit order
while waiting for a scheduled order
while holding reserves for event contracts trading
Is the Gold membership worth it if an investor doesn't have a lot of cash?
Sometimes the APY alone is not enough to get an investor to switch. However, the combined benefits from other Gold member offerings may be enticing. For example,
3% cash back credit card
3% IRA match
2% account transfer
access to private banking (i.e. cash delivery)
You can use our calculator here to estimate the earnings from other Gold member perks.
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