diff --git a/x/hard/client/cli/query.go b/x/hard/client/cli/query.go
index 24c65a19..cbf3a9d6 100644
--- a/x/hard/client/cli/query.go
+++ b/x/hard/client/cli/query.go
@@ -39,6 +39,7 @@ func GetQueryCmd(queryRoute string, cdc *codec.Codec) *cobra.Command {
 		queryParamsCmd(queryRoute, cdc),
 		queryModAccountsCmd(queryRoute, cdc),
 		queryDepositsCmd(queryRoute, cdc),
+		queryDepositCmd(queryRoute, cdc),
 		queryClaimsCmd(queryRoute, cdc),
 		queryBorrowsCmd(queryRoute, cdc),
 		queryBorrowCmd(queryRoute, cdc),
@@ -147,7 +148,7 @@ func queryDepositsCmd(queryRoute string, cdc *codec.Codec) *cobra.Command {
 			page := viper.GetInt(flags.FlagPage)
 			limit := viper.GetInt(flags.FlagLimit)
 
-			params := types.NewQueryDepositParams(page, limit, depositDenom, owner)
+			params := types.NewQueryDepositsParams(page, limit, depositDenom, owner)
 			bz, err := cdc.MarshalJSON(params)
 			if err != nil {
 				return err
@@ -373,3 +374,50 @@ func queryBorrowCmd(queryRoute string, cdc *codec.Codec) *cobra.Command {
 	cmd.Flags().String(flagOwner, "", "filter for borrows by owner address")
 	return cmd
 }
+
+func queryDepositCmd(queryRoute string, cdc *codec.Codec) *cobra.Command {
+	cmd := &cobra.Command{
+		Use:   "deposit",
+		Short: "query outstanding deposit balance for a user",
+		Long: strings.TrimSpace(`query outstanding deposit balance for a user:
+		Example:
+		$ kvcli q hard deposit --owner kava1l0xsq2z7gqd7yly0g40y5836g0appumark77ny`,
+		),
+		Args: cobra.NoArgs,
+		RunE: func(cmd *cobra.Command, args []string) error {
+			cliCtx := context.NewCLIContext().WithCodec(cdc)
+
+			var owner sdk.AccAddress
+
+			ownerBech := viper.GetString(flagOwner)
+			if len(ownerBech) != 0 {
+				borrowOwner, err := sdk.AccAddressFromBech32(ownerBech)
+				if err != nil {
+					return err
+				}
+				owner = borrowOwner
+			}
+
+			params := types.NewQueryDepositParams(owner)
+			bz, err := cdc.MarshalJSON(params)
+			if err != nil {
+				return err
+			}
+
+			route := fmt.Sprintf("custom/%s/%s", queryRoute, types.QueryGetDeposit)
+			res, height, err := cliCtx.QueryWithData(route, bz)
+			if err != nil {
+				return err
+			}
+			cliCtx = cliCtx.WithHeight(height)
+
+			var balance sdk.Coins
+			if err := cdc.UnmarshalJSON(res, &balance); err != nil {
+				return fmt.Errorf("failed to unmarshal borrow balance: %w", err)
+			}
+			return cliCtx.PrintOutput(balance)
+		},
+	}
+	cmd.Flags().String(flagOwner, "", "filter for borrows by owner address")
+	return cmd
+}
diff --git a/x/hard/client/rest/query.go b/x/hard/client/rest/query.go
index 92729f9a..bd99b2f0 100644
--- a/x/hard/client/rest/query.go
+++ b/x/hard/client/rest/query.go
@@ -73,7 +73,7 @@ func queryDepositsHandlerFn(cliCtx context.CLIContext) http.HandlerFunc {
 			}
 		}
 
-		params := types.NewQueryDepositParams(page, limit, depositDenom, depositOwner)
+		params := types.NewQueryDepositsParams(page, limit, depositDenom, depositOwner)
 
 		bz, err := cliCtx.Codec.MarshalJSON(params)
 		if err != nil {
diff --git a/x/hard/keeper/deposit.go b/x/hard/keeper/deposit.go
index 99f56151..91f6d0a7 100644
--- a/x/hard/keeper/deposit.go
+++ b/x/hard/keeper/deposit.go
@@ -161,3 +161,36 @@ func (k Keeper) DecrementSuppliedCoins(ctx sdk.Context, coins sdk.Coins) error {
 	k.SetSuppliedCoins(ctx, updatedSuppliedCoins)
 	return nil
 }
+
+// GetSupplyBalance gets the user's total supply balance (supply balance + pending interest)
+func (k Keeper) GetSupplyBalance(ctx sdk.Context, depositor sdk.AccAddress) sdk.Coins {
+	supplyBalance := sdk.Coins{}
+	deposit, found := k.GetDeposit(ctx, depositor)
+	if !found {
+		return supplyBalance
+	}
+
+	totalNewInterest := sdk.Coins{}
+	for _, coin := range deposit.Amount {
+		interestFactorValue, foundInterestFactorValue := k.GetSupplyInterestFactor(ctx, coin.Denom)
+		if foundInterestFactorValue {
+			// Locate the interest factor by coin denom in the user's list of interest factors
+			foundAtIndex := -1
+			for i := range deposit.Index {
+				if deposit.Index[i].Denom == coin.Denom {
+					foundAtIndex = i
+					break
+				}
+			}
+			// Calculate interest owed by user for this asset
+			if foundAtIndex != -1 {
+				storedAmount := sdk.NewDecFromInt(deposit.Amount.AmountOf(coin.Denom))
+				userLastInterestFactor := deposit.Index[foundAtIndex].Value
+				coinInterest := (storedAmount.Quo(userLastInterestFactor).Mul(interestFactorValue)).Sub(storedAmount)
+				totalNewInterest = totalNewInterest.Add(sdk.NewCoin(coin.Denom, coinInterest.TruncateInt()))
+			}
+		}
+	}
+
+	return deposit.Amount.Add(totalNewInterest...)
+}
diff --git a/x/hard/keeper/querier.go b/x/hard/keeper/querier.go
index a9c5445a..2293b6ef 100644
--- a/x/hard/keeper/querier.go
+++ b/x/hard/keeper/querier.go
@@ -22,6 +22,8 @@ func NewQuerier(k Keeper) sdk.Querier {
 			return queryGetModAccounts(ctx, req, k)
 		case types.QueryGetDeposits:
 			return queryGetDeposits(ctx, req, k)
+		case types.QueryGetDeposit:
+			return queryGetDeposit(ctx, req, k)
 		case types.QueryGetClaims:
 			return queryGetClaims(ctx, req, k)
 		case types.QueryGetBorrows:
@@ -79,7 +81,7 @@ func queryGetModAccounts(ctx sdk.Context, req abci.RequestQuery, k Keeper) ([]by
 
 func queryGetDeposits(ctx sdk.Context, req abci.RequestQuery, k Keeper) ([]byte, error) {
 
-	var params types.QueryDepositParams
+	var params types.QueryDepositsParams
 	err := types.ModuleCdc.UnmarshalJSON(req.Data, &params)
 	if err != nil {
 		return nil, sdkerrors.Wrap(sdkerrors.ErrJSONUnmarshal, err.Error())
@@ -239,7 +241,6 @@ func queryGetClaims(ctx sdk.Context, req abci.RequestQuery, k Keeper) ([]byte, e
 }
 
 func queryGetBorrows(ctx sdk.Context, req abci.RequestQuery, k Keeper) ([]byte, error) {
-
 	var params types.QueryBorrowsParams
 	err := types.ModuleCdc.UnmarshalJSON(req.Data, &params)
 	if err != nil {
@@ -315,3 +316,23 @@ func queryGetBorrow(ctx sdk.Context, req abci.RequestQuery, k Keeper) ([]byte, e
 
 	return bz, nil
 }
+
+func queryGetDeposit(ctx sdk.Context, req abci.RequestQuery, k Keeper) ([]byte, error) {
+	var params types.QueryDepositParams
+	err := types.ModuleCdc.UnmarshalJSON(req.Data, &params)
+	if err != nil {
+		return nil, sdkerrors.Wrap(sdkerrors.ErrJSONUnmarshal, err.Error())
+	}
+
+	var supplyBalance sdk.Coins
+	if len(params.Owner) > 0 {
+		supplyBalance = k.GetSupplyBalance(ctx, params.Owner)
+	}
+
+	bz, err := codec.MarshalJSONIndent(types.ModuleCdc, supplyBalance)
+	if err != nil {
+		return nil, sdkerrors.Wrap(sdkerrors.ErrJSONMarshal, err.Error())
+	}
+
+	return bz, nil
+}
diff --git a/x/hard/types/querier.go b/x/hard/types/querier.go
index 1b7fb4ef..6a4f0b3c 100644
--- a/x/hard/types/querier.go
+++ b/x/hard/types/querier.go
@@ -9,6 +9,7 @@ const (
 	QueryGetParams         = "params"
 	QueryGetModuleAccounts = "accounts"
 	QueryGetDeposits       = "deposits"
+	QueryGetDeposit        = "deposit"
 	QueryGetClaims         = "claims"
 	QueryGetBorrows        = "borrows"
 	QueryGetBorrowed       = "borrowed"
@@ -17,15 +18,27 @@ const (
 
 // QueryDepositParams is the params for a filtered deposit query
 type QueryDepositParams struct {
+	Owner sdk.AccAddress `json:"owner" yaml:"owner"`
+}
+
+// NewQueryDepositParams creates a new QueryDepositParams
+func NewQueryDepositParams(owner sdk.AccAddress) QueryDepositParams {
+	return QueryDepositParams{
+		Owner: owner,
+	}
+}
+
+// QueryDepositsParams is the params for a filtered deposit query
+type QueryDepositsParams struct {
 	Page         int            `json:"page" yaml:"page"`
 	Limit        int            `json:"limit" yaml:"limit"`
 	DepositDenom string         `json:"deposit_denom" yaml:"deposit_denom"`
 	Owner        sdk.AccAddress `json:"owner" yaml:"owner"`
 }
 
-// NewQueryDepositParams creates a new QueryDepositParams
-func NewQueryDepositParams(page, limit int, depositDenom string, owner sdk.AccAddress) QueryDepositParams {
-	return QueryDepositParams{
+// NewQueryDepositsParams creates a new QueryDepositsParams
+func NewQueryDepositsParams(page, limit int, depositDenom string, owner sdk.AccAddress) QueryDepositsParams {
+	return QueryDepositsParams{
 		Page:         page,
 		Limit:        limit,
 		DepositDenom: depositDenom,