Staking Rewards Calculator
Project staking returns from the rate, compounding frequency and lock-up you enter, with fees and price change separated.
Proof-of-stake rewards are paid in coins. A validator quoting 9% a year is making a claim about how many coins sit in the account twelve months from now, and no claim whatsoever about what one of them will be worth by then. This staking rewards calculator settles the coin question first and treats the money question as a separate, optional second step that runs only when you supply a price.
Formula: rewards = principal x ((1 + rate / periods)^(periods x years) - 1)
Your figures
In the coin, not in money. A staking rate is a claim about a number of coins.
The nominal rate before any commission, as your validator or platform quotes it. On most chains this floats with the total amount staked.
How often rewards are restaked. Daily follows the chain's own reward epochs on most networks; choose None if rewards are claimed and left where they are.
How long the stake runs, before any unbonding queue.
The validator's or platform's cut, as a percentage of the rewards. Zero if you run your own validator.
Days between requesting an exit and the coins becoming transferable. They earn nothing in the queue.
The year length the rate you entered is quoted on. Most DeFi accrual uses 365; plenty of centralised earn products use 360.
Optional — values the rewards in the currency selected above. Nothing else on this page depends on it.
Results
Rewards earned
48.643 coins
1,048.64 coins in total after 365 days · 4.864% effective APY
- Balance at the endThe stake plus the rewards it kept, still in the coin.
- 1,048.64 coins
- Rewards before commissionWhat the same rate over the same period pays with no cut taken.
- 51.2675 coins
- Commission takenDeducted from the rate before compounding rather than from the total afterwards, because a cut taken from each reward as it is issued never compounds for you.
- 2.6245 coins
- Net reward rateThe nominal rate left after commission, before compounding.
- 4.7500%
- Effective APY5.1267% before commission. This describes one year at this rate and frequency whatever the stake's own length is, which is what makes two validators with different lock-ups comparable.
- 4.8643%
- Daily reward rateThe geometric daily rate: compounded across the year it returns the APY above exactly.
- 0.013014%
- Compounding applied365.000 periods over the stake. The final part-period is prorated rather than dropped, so a short stake on an infrequent schedule reads slightly ahead of a chain that pays only whole epochs.
- Daily · 365 periods a year
- Period measured365 days on a 365-day year.
- 1.0000 years
- Total time committedThe stake plus the unbonding queue, during which the coins are neither earning nor transferable.
- 386 days
- Yield over the whole commitmentThe same rewards annualised over the staking days and the unbonding days together, rather than over the staking days alone.
- 4.5937%
- Price fall that cancels the rewardsThe fall in the coin price that leaves the larger balance worth exactly what the original stake was worth. It follows from the reward alone, so no price is needed to work it out.
- 4.6387%
- Value of the stake at entryAt the US$100.00 coin price entered.
- US$100,000.00
- Value of the rewardsThe reward coins valued at the same price. This holds the price still; it is not a projection of one.
- US$4,864.30
- Value of the balance at the end
- US$104,864.30
What this means
A 5.000% nominal rate, less a 5.000% cut of every reward, leaves a net 4.750%, and restaking that daily over 365 days on a 365-day year turns 1,000 coins into 1,048.64 coins — 48.643 coins of rewards, an effective 4.864% a year. Every figure above is a count of coins: the rate is a claim about how many you end up with and says nothing about what one is worth. A fall of 4.639% in the coin price cancels the entire reward.
- Every rate, price, fee and commission above is yours to enter. Nothing is fetched, and no validator's, pool's, wallet's or exchange's figure is preset — where a field opens with a number it is a round illustration to overwrite, because the figure that applies to a position is the one that account is actually paid or charged.
- Commission is taken out of the rate before compounding, not out of the reward total afterwards. A validator's cut is deducted from each reward as it is issued, so it is never yours and never compounds for you — deducting it at the end instead credits you with growth on coins you never held, and overstates the result the longer the stake runs.
- The last compounding period is prorated rather than dropped. Chains pay whole epochs and an incomplete final one earns nothing, so the projection runs at most one period's reward ahead — which matters most on a short stake with infrequent compounding.
- Excludes slashing, rewards paid in a token other than the one staked, and any change to the rate part-way through. On most proof-of-stake chains the rate floats with the total amount staked, so a rate quoted today is not a rate fixed for the lock-up.
- Excludes tax, and excludes any transaction cost to stake, claim or unstake. The gas fee calculator prices those separately.
Rewards earned: 48.643 coins
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About the Staking Rewards calculation
The inputs are the amount staked in the coin itself, the nominal reward rate your validator or platform advertises, how often rewards are restaked, how long the stake runs, and the commission taken out of each reward before it reaches you. None of it is fetched and none of it is preset, because the rate that applies to a stake is the one that validator is actually paying — and on most proof-of-stake chains it floats with the total amount staked, so today's quote is not a rate fixed for the lock-up.
Two of those inputs are handled in ways that separate this staking returns calculator from the arithmetic most people do in a spreadsheet. Commission comes off the rate before compounding rather than off the reward total at the end, because a cut deducted from each reward as it is issued was never yours and never compounds for you. And the unbonding queue is counted, because coins waiting to become transferable earn nothing while the calendar carries on running.
The figure worth carrying away sits near the bottom of the panel: the fall in the coin price that leaves the larger balance worth exactly what the original stake was worth. It follows from the reward alone, so it needs no price to work out, and on any realistic rate over any realistic lock-up it is a move the market can make in an afternoon.
Staking Rewards formula
r = gross rate × (1 − commission ÷ 100) the net reward rate
t = days ÷ day count the stake, in years
n = compounding periods a year
restaked balance = A × (1 + r ÷ n)^(n × t)
not restaked balance = A × (1 + r × t)
rewards = balance − A
commission = rewards at the gross rate − rewards at r
effective APY = (1 + r ÷ n)^n − 1
daily rate = (1 + APY)^(1 ÷ day count) − 1 when restaked
= r ÷ day count when not
commitment = days + unbonding days
yield over it = (balance ÷ A)^(day count ÷ commitment) − 1
break-even price fall = rewards ÷ balance- A
- The amount staked, counted in the coin rather than in money. Every line above it and below it is a coin count; the currency block in the result is a separate calculation that starts from the price you type.
- r
- The net reward rate — the advertised rate after the validator's cut has been taken out of it, expressed as a decimal fraction rather than as a percentage.
- n
- Compounding periods a year: 365 for daily on a 365-day count, 52 weekly, 12 monthly, 4 quarterly, 2 semi-annually, 1 annually. Rewards that are never restaked have no n and use the simple line instead.
- t
- The length of the stake in years. Fractional almost always, and n × t is left fractional too rather than rounded down to whole periods.
- day count
- How many days the rate treats as a year — 360 or 365. It is asked rather than assumed because DeFi accrual and centralised earn products routinely disagree about it, and the gap is roughly 1.4%.
- break-even price fall
- The proportional fall in the coin price at which the ending balance is worth what the starting stake was worth. Equal to rewards ÷ balance, which is why no price appears in it.
Commission multiplies the rate rather than being subtracted from the total, and the difference is not cosmetic. A validator takes its cut from each reward at the moment that reward is issued, so those coins never enter your balance and never earn anything for you afterwards. Deducting the cut at the end instead — which is the shortcut almost every quick calculation takes — credits you with compounding on coins you never held, and the error grows with the length of the stake. In the worked example below the honest deduction is 8.16% of the gross rewards even though the commission rate is 8%, and that extra fraction is precisely the compounding that went to the validator rather than to you.
The exponent n × t is deliberately left fractional. A stake of forty days on monthly compounding earns one full period and a third of another, and the formula prorates that final part-period. A chain does not: it pays whole epochs, and an incomplete final one pays nothing. The difference is at most one period's reward, it always flatters the projection rather than the reality, and it matters most on short stakes with infrequent compounding — which is exactly the case where a reader is least likely to be looking for it.
The effective APY describes one year at this rate and this frequency whatever the stake's own length happens to be, and that is what makes it useful rather than redundant. Two validators offering different lock-ups cannot be compared on their reward totals, because the totals differ mostly by how long the money is tied up. Annualising strips that out. The separate figure for the yield over the whole commitment does the opposite job: it annualises over the staking days and the unbonding days together, which is the number that survives a comparison with something you could have done with the coins instead.
The break-even price fall comes out of one line of algebra and needs no market data at all. If A coins are worth P₀ each at the start and A + R coins are worth P₁ each at the end, the position is level when A × P₀ = (A + R) × P₁, so P₁ ÷ P₀ = A ÷ (A + R) and the fall is R ÷ (A + R). That is why it can be shown to a reader who entered no price: it is a property of the reward, not of the market. Putting it next to the APY is the clearest way to state the thing every staking dashboard leaves out, which is that a rate measured in coins says nothing about an outcome measured in money.
Staking Rewards: a worked example
2,500 coins staked for 180 days at a 9% nominal rate restaked daily, with a validator taking 8% of every reward, a 28-day unbonding queue, a 365-day count, and a coin price of $6.40 typed in by hand.
- Net reward rate9% × (1 − 0.08) = 8.28%
- Period in years180 ÷ 365 = 0.4932
- Growth factor(1 + 0.0828 ÷ 365)^180 = 1.0416732
- Balance at the end2,500 × 1.0416732 = 2,604.18 coins
- Rewards kept2,604.18 − 2,500 = 104.1829 coins
- Rewards at the gross rate2,500 × ((1 + 0.09 ÷ 365)^180 − 1) = 113.4438 coins
- Commission113.4438 − 104.1829 = 9.2609 coins
- Effective APY(1 + 0.0828 ÷ 365)^365 − 1 = 8.6314%
- Gross APY, before the cut(1 + 0.09 ÷ 365)^365 − 1 = 9.4162%
- Total time committed180 + 28 = 208 days
- Yield over the whole commitment(2,604.18 ÷ 2,500)^(365 ÷ 208) − 1 = 7.4275%
- Break-even price fall104.1829 ÷ 2,604.18 = 4.0006%
- Rewards valued at $6.40104.1829 × 6.40 = $666.77
104.1829 coins of rewards on a 2,500-coin stake, an effective 8.6314% a year against the 9% advertised. Two numbers are worth pausing on. The commission of 9.2609 coins is 8.16% of the 113.4438 coins the gross rate would have paid, not 8%, and the extra 0.18 of a coin is the compounding those cut coins would have earned had they ever been yours. And the entire 180 days of reward is cancelled by a 4.0006% fall in the coin price — from $6.40 to $6.14 — which puts the $666.77 headline in its proper place beside a price nobody typing here can control.
How to use the Staking Rewards calculator
- Enter the amount staked in the coin, not in money. A reward rate is a claim about a quantity of coins, and entering a cash figure here silently converts every result on the page into something the protocol never promised.
- Enter the nominal rate exactly as your validator or platform quotes it, before commission. If the figure you have is already described as an APY, convert it back to a nominal rate on the APR to APY page first: this staking APY calculator compounds whatever rate it is given, so handing it an effective figure counts the same effect twice.
- Set the compounding frequency to how often rewards are actually restaked, which on most chains is once per reward epoch. Choose None if rewards are claimed and left sitting where they are — the balance then grows in a straight line rather than a curve.
- Enter the validator's commission as a percentage of rewards, and set it to zero if you run your own validator. Check the unbonding period against the chain's documentation rather than the platform's marketing, since it is the part of the commitment nobody advertises.
- Choose the day count the rate is quoted on. Most DeFi accrual uses 365 and plenty of centralised earn products use 360, and picking the wrong one puts every figure on the page about 1.4% out.
- Leave the coin price blank if you only want the coin answer. Fill it in and the currency block appears underneath, holding the price still at whatever you entered — it is a valuation of the reward, not a forecast of the price.
Limitations of the Staking Rewards calculator
Every calculation makes assumptions. These are the ones that matter here.
- Excludes slashing entirely. A validator penalised for downtime or double-signing can lose a share of the stake itself, and no reward rate on this page anticipates that.
- Assumes one rate for the whole stake. Proof-of-stake rewards on most chains float with the total amount staked, so a rate quoted today is a snapshot rather than a term of the lock-up.
- Assumes rewards arrive in the coin that was staked. Chains and platforms that pay in a separate token produce a result this arithmetic cannot express, because the two quantities are no longer the same unit.
- The final compounding period is prorated rather than dropped, so a short stake on an infrequent schedule reads at most one period's reward ahead of a chain that pays only whole epochs.
- Excludes the transaction cost of staking, claiming and unstaking, and excludes tax. On a small stake the gas alone can exceed a month of rewards; the gas fee calculator prices it separately.
- The currency block values reward coins at one price you type. It holds that price still across the whole period, which is a valuation and not a projection.
Frequently asked questions about Staking Rewards
Why is my effective APY lower than the rate my validator advertises?
Because the advertised figure is usually the nominal rate before commission, and the effective figure here is after it. In the worked example a 9% nominal rate with an 8% validator cut compounds to 8.6314% rather than to 9.4162%. Some platforms go the other way and advertise an APY that already assumes daily restaking, in which case entering it as a nominal rate here compounds it a second time and overstates the result.
Does the unbonding period change how much I earn?
Not the reward total, no — coins in the exit queue earn nothing, so the rewards figure is unchanged. What it changes is the yield, because the same reward is spread over a longer commitment. In the example, 180 staking days plus 28 unbonding days turn an 8.6314% annualised figure into 7.4275% over the whole commitment, and the second number is the one that compares fairly against something else you could have done with the coins.
Should the commission be taken off the rate or off the rewards?
Off the rate, which is what this calculator does. A validator takes its share of each reward as that reward is issued, so those coins never enter your balance and never compound for you afterwards. Taking the cut off the reward total at the end instead credits you with growth on coins you never held. The gap is small over a month and grows steadily over a multi-year lock-up.
Why does this crypto staking calculator ask for the coin price separately instead of fetching one?
Because there is no price feed anywhere on this site and there never will be. A fetched price is a number that goes stale, that disagrees with whichever exchange you actually use, and that quietly rewrites the answer to a historic question you were asking about a period that has already ended. Typing the price makes the assumption yours and visible, and leaving it blank is a perfectly valid way to use the page.
What does the break-even price fall actually tell me?
It is the fall in the coin price that leaves the larger balance worth exactly what the original stake was worth, and it is derived from the reward alone rather than from any market data. At the example's 104.1829 coins of reward on a 2,604.18-coin ending balance it is 4.0006%. The point of showing it is that a reward rate and a price move are measured on wildly different scales, and the second one dominates over any period short enough to care about.
How does this differ from the compound interest calculator?
The arithmetic of the growth curve is the same, and if all you want is a balance after n periods either page will produce it. This one adds the parts that only exist in staking: a commission taken from the rate before compounding rather than from the total afterwards, an unbonding queue that consumes calendar time without earning, and a strict separation between the coin count and any valuation of it.
Last reviewed . See our methodology and editorial policy.
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