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Crypto staking calculator

What staked crypto earns over time. Enter the rate your platform advertises, whether it is an APR or an APY, and how long you will stake, and see the rewards year by year.

$10,000 staked for 3 years earns $1,576 in rewards and ends at $11,576, if the coin's price does not move.

Rewards
$1,576
15.8% of the stake
Effective yearly yield
5.00%
with compounding
Final balance
$11,576
price unchanged
With a price change
—
set one above to compare
End ofRewards that yearBalance
Year 1+$500.00$10,500.00
Year 2+$525.00$11,025.00
Year 3+$551.25$11,576.25

APR and APY side by side

The same nominal rate gives a higher yield the more often rewards are added to the stake. Figures are the APY, in percent.

APRYearlyMonthlyWeeklyDaily
3%3.00%3.04%3.04%3.05%
5%5.00%5.12%5.12%5.13%
8%8.00%8.30%8.32%8.33%
12%12.00%12.68%12.73%12.75%

How the calculator works

It turns the rate you enter into a yearly growth factor after the platform's commission, then compounds it over the period. An APY is converted to the nominal rate behind it first, so an APR and an APY of the same effective size give the same answer. Periods that are not whole years are handled exactly, and the table shows the rewards earned in each year.

We do not show staking rates for any coin or platform. They change constantly and differ between platforms, and quoting one would mean quoting someone else's number. Take the rate from the platform you intend to use and check what it includes.

Questions

What is the difference between APR and APY?
APR is the yearly rate before rewards are added back to the stake. APY includes the effect of compounding, so it is higher whenever rewards are paid more than once a year. 12% APR paid and compounded monthly is the same as about 12.68% APY. When comparing platforms, compare the same one.
How are staking rewards calculated?
With compounding, the balance after t years is the stake × (1 + rate ÷ n)^(n × t), where n is how many times a year rewards are added to the stake. Without compounding, it is the stake × (1 + rate × t). The calculator also takes off the platform's commission and converts an APY to its equivalent APR first.
Are staking rates guaranteed?
No. Rates move with the network, the number of people staking and the platform, and an advertised figure is often a recent average. The calculator uses the rate you type and holds it constant, which a real stake will not do. Rewards can also stop while a stake is unbonding.
Why does the calculator ask for a price change?
Staking rewards are paid in the coin itself, so what the stake is worth in dollars depends on the coin's price. A 5% yield on a coin that falls 30% leaves you worse off than not staking a stable asset. The price field shows the dollar value at the end of the period if the coin moves by the percentage you enter.
What risks come with staking?
Beyond price risk: lock-up or unbonding periods during which you cannot sell, the platform or validator failing or being hacked, and on some networks slashing, where a validator's mistakes cost stakers part of their coins. A higher advertised rate often comes with more of these.
Are staking rewards taxable?
In many countries rewards count as income when you receive them, and a later sale can be taxed again on the gain. Rules differ widely and change, so check the ones where you live. This calculator is not tax advice and does not model tax.

Disclaimer: This calculator is educational and does not constitute financial advice or tax advice. It holds the rate you enter constant for the whole period, which a real stake will not, and it does not model lock-up periods, slashing, platform failure or taxes. Cryptocurrency prices are volatile; never invest more than you can afford to lose.