Staking Rewards Calculator

Project staking income with APY, compounding frequency, and token price over your staking horizon.

Staking plan

$
5.0%
5 years
$
Final value
$12,840
5.13% effective APY
Total rewards (USD)
$2,840
0.95 tokens
Year 1 monthly reward
$42
Estimated at current price

Staked balance over time

How this calculator works

We compute compound growth using FV = P × (1 + APY/n)^(n × t), where P is the initial staked amount (in USD), APY is your annual percentage yield as a decimal, n is the compounding frequency per year, and t is the time horizon in years.

The effective annual yield is slightly higher than the nominal APY when compounding happens more than once per year. Total rewards in tokens is the total USD reward divided by the current token price — a rough conversion because real token prices fluctuate.

Understanding staking yields

Proof-of-stake blockchains reward token holders for locking tokens in the network to help validate transactions and secure consensus. Staking rewards come from two sources: newly issued tokens (protocol inflation) and transaction fees paid by users. The combination is reflected in the APY you see quoted on exchanges and staking dashboards.

Quoted APY varies by network and changes over time. Ethereum staking typically yields 3-5%, Solana 6-8%, Cardano 3-5%, and Cosmos-family chains often 10-20%. Higher yields usually indicate higher inflation — the protocol is issuing new tokens to validators — which can dilute long-term value if demand doesn't grow in parallel.

Compounding frequency matters but not enormously. Most staking protocols distribute rewards daily or per epoch (every few hours for some). If your staking platform automatically re-stakes rewards, you effectively compound at that cadence. Manual restaking requires periodic transactions, which may incur gas fees that partially offset the compounding benefit.

Key risks in staking include: slashing (penalties for validator misbehavior), lock-up periods (some tokens can't be withdrawn immediately), smart-contract risk (for liquid staking protocols), and price volatility (your staked tokens still fluctuate in USD value). Liquid staking tokens (e.g., stETH, rETH) introduce additional de-peg risk during stress events. Always understand the specific protocol before committing capital.

Frequently Asked Questions

Are staking rewards taxable?
In the US, staking rewards are generally taxed as ordinary income at the moment of receipt (fair market value when received). When you later sell or swap the staked tokens, you also owe capital gains tax on any appreciation. Keep detailed records — staking tax accounting can be complex.
What's the difference between APR and APY in staking?
APR (annual percentage rate) is the nominal rate without compounding. APY (annual percentage yield) reflects compounding. If rewards are auto-compounded daily, the APY is meaningfully higher than the APR. Staking services usually quote APY to be consistent with traditional finance.
What is 'slashing'?
A penalty applied by PoS networks when a validator misbehaves (double-signs, is offline too often, etc.). Slashing can reduce your staked principal. When staking with a pool or exchange, you inherit the validator's slashing risk. Historically, well-run validators have very low slashing rates, but it's not zero.
Is liquid staking safer?
Liquid staking (e.g., Lido's stETH) lets you keep a tradeable token representing your staked position. Pros: liquidity, the ability to use stETH in DeFi. Cons: additional smart-contract risk, potential de-peg risk between stETH and ETH during stress events, and centralization concerns if one provider grows too dominant.
Should staking rewards influence my decision to hold a token?
Be cautious. A 15% APY looks attractive but means little if the underlying token loses 50% of value. For long-term conviction holdings, staking adds incremental yield. For speculative positions, yield alone shouldn't justify holding — the price thesis must come first.