Robinhood APY Calculator

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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