Crypto staking rewards calculator. Enter your staked amount, APR, and compounding schedule to project rewards, ending balance, and effective APY.
Staking Rewards Formula
At a constant nominal APR with the selected reinvestment schedule, this model follows the compound interest curve. Fractional periods use exponential interpolation rather than rounding to actual payout dates:
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: A hypothetical ETH-denominated scenario for a year.
Assume 32 ETH, a constant 4.5% APR and daily compounding for 12 model months. This is an arithmetic example, not a current Ethereum yield or a guarantee that a particular staking arrangement compounds daily.
B = 32 * (1 + 0.045/365)^365 = 33.47279867 ETH. Rewards are approximately 1.47279867 ETH and effective APY is 4.6025%. At a hypothetical constant $3,200 per ETH, rewards are about $4,712.96 before costs and taxes.
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?
Under U.S. Revenue Ruling 2023-14, a cash-method taxpayer includes the fair market value of proof-of-stake validation rewards in gross income in the year they gain dominion and control. Later disposition may create a gain or loss; its treatment depends on the facts. This calculator does not calculate tax. Rules differ by jurisdiction; check current guidance for your situation.
