Crypto staking rewards calculator. Enter your staked amount, APR, and compounding schedule to project rewards, ending balance, and effective APY.
Staking Rewards Formula
With auto-compounding, staking rewards grow the stake itself, so the balance follows the compound interest curve:
B = A * (1 + r/n)^(n*t)
Without compounding, rewards accrue on the original stake only:
B = A * (1 + r*t)
Variables:
- B is the ending balance in coins
- A is the amount staked in coins
- r is the staking APR as a decimal (0.045 for 4.5%)
- n is the number of compounding periods per year (365 daily, 52 weekly, 12 monthly)
- t is the staking duration in years
Enter your staked amount and APR, pick how the platform handles rewards – daily, weekly, or monthly auto-compounding, or simple accrual – and set the duration in days, months, or years. The calculator reports the coins earned, the ending balance, your effective APY after compounding, and, if you provide a token price, the USD value of the rewards and final stake.
APR vs Effective APY
Compounding frequency turns a quoted APR into a slightly higher effective APY.
| Staking APR | APY monthly comp. | APY daily comp. |
|---|---|---|
| 3% | 3.04% | 3.05% |
| 5% | 5.12% | 5.13% |
| 8% | 8.30% | 8.33% |
| 12% | 12.68% | 12.75% |
| 20% | 21.94% | 22.13% |
The gap between APR and APY widens with the rate itself – at single-digit staking yields the difference is small, which is why the compounding schedule matters less than the headline rate.
Example Problems
Example 1: ETH staking for a year.
You stake 32 ETH at a 4.5% APR with daily compounding for 12 months.
B = 32 * (1 + 0.045/365)^365 = 32 * 1.04602 = 33.47 ETH, so rewards are about 1.47 ETH and the effective APY is 4.60%. At $3,200 per ETH the rewards are worth roughly $4,715.
Example 2: Simple accrual over 90 days.
You stake 1,000 tokens at a 10% APR with no compounding for 90 days (0.2466 years).
B = 1000 * (1 + 0.10 * 0.2466) = 1,024.66 tokens – about 24.7 tokens of rewards.
Frequently Asked Questions
Why did my actual rewards differ from the projection?
Staking APRs float with total network participation, validator performance, and fee revenue, so the rate you start with rarely holds all year. Exchange platforms also take a commission from gross rewards. Treat projections as estimates at a snapshot rate.
Is staking APY the same as profit in dollars?
No. Rewards are paid in the staked token, so your dollar outcome depends on the token’s price when you sell. A 5% coin-denominated gain can easily be a dollar loss if the token falls more than 5% – and staking lock-ups can prevent you from selling during drops.
Are staking rewards taxable?
In the U.S., the IRS treats staking rewards as ordinary income at their fair market value when you gain control of them, and any later price change is a capital gain or loss. Rules differ by country, so check local guidance.
