Crypto Compound Interest Calculator
See how your crypto holdings could grow over years with compounding and regular contributions.
Final value
After years of compounding
Total contributed
Total interest earned
How to Use
- Enter your initial investment — the lump sum you're starting with.
- Enter the monthly contribution you plan to add (set to 0 for lump-sum-only).
- Enter an expected annual rate — stay realistic; 8–12% is common for diversified crypto over a long horizon.
- Enter the number of years you'll hold.
- Pick a compound frequency. Monthly is the most common assumption for staking and savings products.
Calculation Method
We use the standard compound interest formula for the lump sum, plus a future value of annuity formula for the recurring contributions.
FV_initial = initial × (1 + r/n)^(n × years)
FV_contrib = monthly × ((1 + r/12)^(12 × years) − 1) / (r/12)
Final Value = FV_initial + FV_contrib
- r — annual rate as a decimal (e.g., 8.5% → 0.085)
- n — compounding periods per year (daily 365, monthly 12, yearly 1)
- monthly — your recurring contribution
- years — investment horizon
Formula source: standard SEC compound interest model. Last updated: May 2026.
Examples
Example 1 — Patient saver
$5,000 initial + $200/month at 8.5% APY compounded monthly for 10 years grows to roughly $48,400. You contributed $29,000, so $19,400 is pure compound growth.
Example 2 — Aggressive horizon
$10,000 initial + $500/month at 12% APY compounded monthly for 20 years grows to about $586,000. Contributions: $130,000. Interest earned: ~$456,000. Compounding does the heavy lifting in long horizons.
Frequently Asked Questions
The math is identical — interest stacks on interest. The difference is the assumed rate. Crypto APYs are far less stable than a savings account, so plug in conservative numbers and run a few scenarios.
No. Staking rewards, lending yields, and DeFi APYs change constantly with network conditions, validator slashing risk, protocol changes, and token price. Treat any quoted APY as a snapshot, not a promise.
It is roughly in line with historical broad-market returns and current ETH staking + lending blends. For more volatile coins or unfamiliar protocols, model 4–6% as a downside scenario too.
Only marginally. On a 10% APY, daily compounding earns about 0.05–0.1% more per year than monthly. Time in the market matters far more than compound frequency.
For conservative planning, model 4–6% for stablecoin lending, 5–8% for ETH/SOL staking, and treat anything above 15% APY as high-risk yield that may not persist.
Related Calculators
Not financial or investment advice. Cryptocurrency is highly volatile and you can lose all your invested capital. Past performance does not guarantee future results. Always do your own research and consult a licensed financial advisor.
Full disclaimer →