Crypto Staking Rewards Calculator

Crypto staking is the mechanism by which holders of Proof-of-Stake (PoS) blockchain tokens earn rewards in exchange for locking their assets to help validate network transactions. Think of it as the crypto equivalent of earning interest in a savings account, except that the “bank” is a decentralized protocol and the interest is paid in the same volatile asset you deposited.

Simple (non-compounding) formula:

Annual Reward = Staked Amount × (APR / 100)

Compound staking formula (daily reinvestment), starting from an APR:

Future Value = Principal × (1 + APR / 365)^Days

Starting from an APY instead, the daily rate has to be backed out of it first, or you compound a figure that is already compounded:

Daily Rate = (1 + APY / 100)^(1/365) − 1 Future Value = Principal × (1 + Daily Rate)^Days

APR to APY conversion (daily compounding):

APY = (1 + APR / 365)^365 − 1

Variable definitions:

• Principal: the amount of tokens you stake
• APR: Annual Percentage Rate; the simple interest rate before compounding
• APY: Annual Percentage Yield; the effective rate after compounding is factored in
• Days: staking duration in calendar days
• Lock-up Period: mandatory holding time during which you cannot unstake or sell

APR and APY are not interchangeable, and mixing them up is the most common mistake on this page. An APR of 4.5% compounded daily produces an APY of 4.60%. So if a protocol advertises “4.5% APY” and you then compound 4.5% daily, you have quietly credited yourself an extra 0.1% that the protocol never offered. At Ethereum rates that is small change. At a 20% rate it is not: 20% APR compounded daily comes to 22.1% APY, and the gap is worth 2.1% of your whole stake every year.

The rate-type selector below exists for exactly this. Pick APR if the number you were quoted is the simple rate before compounding, and APY if it is the effective annual figure. Most staking dashboards quote APY. Most validator documentation quotes APR.

Worked example: You stake 10 ETH at a 4.5% APR. Current ETH price: $3,000. Staking period: 365 days. Token value staked = 10 × $3,000 = $30,000 Simple annual reward = 10 ETH × 4.5% = 0.45 ETH ($1,350 at current price) After 1 year with daily compounding: FV = 10 × (1 + 0.045/365)^365 = 10.4602 ETH, a reward of 0.4602 ETH

Enter that same 4.5% as an APY instead and the answer is 10.45 ETH exactly, because an APY of 4.5% means 4.5% after all compounding, by definition.

Typical staking APYs (market conditions as of mid-2025):

Critical risks to understand:

• Price volatility: a 10% staking reward is meaningless if the token price falls 40%
• Smart contract risk: protocol bugs or exploits can result in lost funds
• Lock-up risk: tokens locked during a market crash cannot be sold
• Tax treatment: staking rewards are typically taxable income in most jurisdictions at the time of receipt, and capital gains upon sale

This calculator assumes a constant rate and a stable token price. Neither holds for long in practice, so treat the far end of any projection as the optimistic case rather than the expected one.

Lock-up is the risk the rate does not price. The unbonding period in the table above is not a formality. Cosmos at 21 days means that on the morning the market breaks, you watch it. Enter your lock-up below and the calculator adds it to the staking period, so you see the day your tokens are genuinely yours again rather than the day you asked for them.