Crypto Staking Rewards Calculator

Estimate how much you can earn by staking crypto. Choose a token, set your APY, pick a compounding frequency, and see your projected rewards month by month.

Ad Space

How Crypto Staking Works

Crypto staking is the process of locking up your tokens to help secure a Proof-of-Stake (PoS) blockchain network. In return for validating transactions and maintaining the network, stakers earn rewards — typically paid in the same token they staked. Think of it as earning interest on your crypto holdings, but with significantly higher rates than traditional savings accounts.

Popular PoS networks include Ethereum (since the Merge in September 2022), Solana, Polkadot, Cardano, and Cosmos. Each network sets its own reward rate, which depends on factors like total tokens staked, inflation schedule, and network activity.

Compounding Formula

Final Value = P × (1 + APY/n)n×t

Where: P = principal, APY = annual yield as decimal, n = compounding periods per year, t = time in years. When compounding is "none," Final Value = P × (1 + APY × t).

APY vs APR — Why It Matters

APR (Annual Percentage Rate) is the base rate before compounding. APY (Annual Percentage Yield) includes the compounding effect. If you stake at 12% APR and compound monthly, your effective APY is about 12.68%. The more frequently you compound, the higher the effective yield — but gas fees for claiming and restaking can eat into gains on some networks.

Example

$5,000 staked in SOL at 7.2% APY, compounded monthly for 12 months

  • Monthly effective rate: 0.58%
  • Rewards after 12 months: $373
  • Final value: $5,373
  • Compared to just holding (no staking): $5,000 — you earned $373 extra

Risks of Staking

Slashing: If your chosen validator acts maliciously or has extended downtime, a portion of your staked tokens may be destroyed as a penalty. Always choose reputable validators with high uptime.

Lock-up periods: Most networks require an unbonding period before you can access your tokens. Ethereum's queue varies, Cosmos requires 21 days, and Polkadot requires 28 days. During this time, your tokens are illiquid.

Price volatility: You earn rewards in the staked token. If the token's price drops significantly, your dollar-denominated returns could be negative even with staking rewards.

Liquid Staking

Liquid staking protocols like Lido (stETH), Marinade (mSOL), and Rocket Pool (rETH) let you stake while receiving a tradable derivative token. This derivative can be used in DeFi — as collateral for borrowing, in liquidity pools, or simply held — giving you staking yield plus DeFi composability without a lock-up period.