Crypto Staking Rewards Calculator
Calculate your crypto staking rewards over time.
See daily, monthly, and yearly earnings based on your stake amount and APY.
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 the “bank” is a decentralized blockchain protocol.
Simple (non-compounding) formula:
Annual Reward = Staked Amount × (APR / 100)
Compound staking formula (daily reinvestment):
Future Value = Principal × (1 + APY / 365)^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
Worked example: You stake 10 ETH at a 4.5% APY. Current ETH price: $3,000. Staking period: 365 days. Token value staked = 10 × $3,000 = $30,000 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 = 10.46 ETH
Typical staking APYs (market conditions as of mid-2025):
| Asset | APY Range | Lock-up Period |
|---|---|---|
| Ethereum (ETH) | 3–5% | Variable |
| Solana (SOL) | 5–8% | None (liquid) |
| Cardano (ADA) | 3–6% | None |
| Polkadot (DOT) | 10–15% | 28 days |
| Cosmos (ATOM) | 15–25% | 21 days |
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 constant APY and stable token price — both of which rarely hold in practice.