Staking Rewards Calculator
Project staking rewards with compounding — by asset, APY, and duration.
Final Token Balance
Total rewards
Rewards in USD
Effective APY
Yearly breakdown (first 3 years)
| Year | Start balance | Rewards | End balance |
|---|---|---|---|
How to Use
- Enter the coin you stake. APY and token price autofill with recent values.
- Adjust the APY if needed (validators and protocols vary).
- Enter amount staked in tokens (e.g., 32 ETH for a solo validator).
- Pick compound frequency — daily reflects most validator payouts.
- Enter duration in years and read the final balance, total rewards, and yearly breakdown.
Calculation Method
n = periods per year (daily=365, weekly=52, monthly=12, yearly=1)
rate = apy_pct ÷ 100
final = principal × (1 + rate ÷ n)n × years
total_rewards = final − principal
usd_value = final × token_price
rate = apy_pct ÷ 100
final = principal × (1 + rate ÷ n)n × years
total_rewards = final − principal
usd_value = final × token_price
- principal
- — tokens initially staked.
- apy_pct
- — annual yield, e.g., 3.5 for ETH.
- n
- — compounding periods per year (daily payouts compound fastest).
- years
- — total staking horizon.
Source / Last updated: Standard compound interest formula. Default APYs are recent network averages — actual yields fluctuate. Last reviewed for SmartCryptoCalcs in May 2026.
Examples
Example 1 — Solo ETH validator (32 ETH, 3 years)
Stake 32 ETH at 3.5% APY, compounded daily, for 3 years. Final balance ≈ 35.55 ETH (rewards ≈ 3.55 ETH). At $3,820/ETH that is roughly $13,560 in rewards.
Example 2 — ATOM long-term stake (1,000 ATOM, 5 years)
Stake 1,000 ATOM at 14% APY, compounded daily, for 5 years. Final balance ≈ 2,013 ATOM — more than doubling the position from rewards alone. High APYs reflect Cosmos's higher inflation, so the USD result depends heavily on token price.
Frequently Asked Questions
In the US, the IRS treats staking rewards as ordinary income at fair market value on the date received. When you later sell, capital gains apply on any further price change. Use our Crypto Tax Calculator to estimate the tax owed.
On PoS chains, validators can lose a portion of their stake for being offline or signing conflicting blocks. For ETH this is typically small (≤ 1% for downtime), but malicious behavior can slash up to the full stake. Use reputable operators or pooled staking services to mitigate.
Liquid staking (Lido, Rocket Pool) gives you a derivative token (stETH, rETH) you can use in DeFi while still earning yield, but adds smart-contract risk. Locked staking (native validator, exchange staking) ties up the asset until an unbond period ends but is simpler.
APY is not fixed — it depends on total network participation. The calculator assumes a constant rate, which is fine for ballpark projections. For accuracy over multi-year horizons, recompute periodically with the current network APY.
Mining requires hardware and electricity but does not require holding the underlying asset upfront. Staking requires significant capital but no hardware. For most retail users, staking is the more capital-efficient path. Compare with our Mining Profitability Calculator.
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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.
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