Crypto Staking Calculator

A crypto staking calculator is a tool that estimates the rewards you would earn from staking a crypto asset over time. You enter your stake amount, the advertised APY, how long you plan to stake, and how often rewards compound, and it projects your total rewards and final balance. It is an educational estimate, not a guarantee — real APYs move with network conditions and token prices change independently.

A staking rewards calculator is only as accurate as its inputs. It gives an exact answer for the math — compounding a fixed APY over a fixed period — but real staking APY is variable, not fixed. Networks adjust rewards based on how much total stake is participating, and validators can miss rewards or be slashed. Treat the output as a best-case fixed-rate projection, not a promise.

No. This calculator projects rewards in the same unit you put in, at a fixed APY. It does not model the coin's price moving up or down. That matters a lot: you can earn a positive number of reward tokens and still end up with fewer dollars if the token's price falls while your funds are locked. See our guide on whether you can lose money staking crypto.

Simple rewards pay a flat percentage on your original stake only. Compound rewards re-stake each payout so future rewards are calculated on a growing balance, which increases your effective yield above the headline APY. More frequent compounding — daily versus annually — produces a slightly higher final balance for the same APY. Set the compounding frequency in the calculator to match how often your platform restakes.

In the US, yes. Per IRS Rev. Rul. 2023-14, staking rewards are ordinary income at their fair market value when you gain dominion and control over them. You then owe capital gains tax later when you sell. This calculator does not compute tax — see our crypto staking taxes guide for how the rules work.

Yes. The math is the same for any proof-of-stake asset — Ethereum, Solana, Cardano, and others — because it works purely from the APY and period you enter. Just use the current APY quoted by your chosen platform or network. Because real APYs differ by coin and change over time, confirm the live rate before relying on any projection.

No — enter the actual APY you expect to receive after any commission, not the network's headline rate. Exchanges commonly take a cut of staking rewards, often in the 25–35% range, before crediting you, so if you plug in the gross network APY instead of what your platform actually pays out, the projection will overstate your real rewards. Check your platform's stated net APY, or see /staking for a platform-by-platform comparison, before running the numbers here.

It handles both — the field is just labeled APY because that's the number most platforms advertise. APR is the simple, non-compounding annual rate, while APY already bakes in compounding. To model a flat APR figure, enter it in the APY field and set Compounding to 'None (simple)'; the calculator then runs the plain P × (1 + r × t) formula with no re-staking effect. To model true APY growth, pick the compounding frequency your platform actually uses. See the simple-vs-compound FAQ above for the underlying math.

This calculator's flat-APY math works for either, but you need to enter the right inputs because solo and pooled Ethereum staking are structurally different. Solo staking requires running a validator with exactly 32 ETH and pays the full protocol reward, with no pooling fee — but it demands that full 32-ETH minimum and reliable uptime, since downtime or misbehavior can be penalized. Liquid-staking pools like Lido and Rocket Pool, and exchange staking like Coinbase or Binance, let you stake any amount by pooling it with other users, but they deduct a service or protocol fee before you receive rewards, and liquid-staking tokens can trade at a slight premium or discount to ETH. Enter the net APY your specific method actually pays — after fees — rather than the headline network rate, to get an accurate projection.

No — the XRP Ledger has no native validator or protocol-level staking, unlike Ethereum, Solana, or Cardano. XRP Ledger validators are run by trusted network participants and do not require or reward locked XRP the way proof-of-stake consensus does. Products advertised as "XRP staking" on exchanges are typically a rewards, savings, or lending program run by that platform — not staking at the protocol level — so the yield, lockup terms, and risk depend entirely on that exchange's program rather than XRP Ledger consensus rules. Read the specific program's terms before assuming it behaves like proof-of-stake staking.

Not natively — Bitcoin runs on proof-of-work, not proof-of-stake, so there is no protocol-level staking or validator reward to project with this calculator. Mining, not staking, secures the Bitcoin network. That said, newer protocols such as Babylon introduced Bitcoin timelock and restaking concepts starting in 2024–2025, letting BTC holders lock coins via smart contracts to help secure other proof-of-stake chains in exchange for rewards — this is a distinct, newer mechanism layered on top of Bitcoin, not native Bitcoin staking, and it carries its own smart-contract and counterparty risks. "Bitcoin staking" products on exchanges are usually a rewards or lending program similar to XRP's, not protocol staking.

This calculator only projects rewards math — it doesn't know your specific platform's lockup or unstaking rules, and those vary a lot: some coins like Cardano have effectively no lockup, while Ethereum's exit queue and Solana's unbonding period can hold your funds for days after you request to unstake. Check /staking/best-crypto-staking-platforms for the lockup and unstaking delay on each major platform and coin before you commit funds for the period you're calculating here, since a locked position can't be accessed even if the price moves against you.

Slashing is a penalty a proof-of-stake network applies to a validator that misbehaves or goes offline, and it can cost you some of the coins you have staked through that validator. This calculator doesn't model slashing risk — it only projects the APY math you enter. See /staking/can-you-lose-money-staking-crypto for the full breakdown of slashing and the other ways a staked position can lose value.

If you're staking through a centralized exchange rather than directly with a validator, your staked coins are exposed to that exchange's solvency, not just network-level slashing risk. See /staking/can-you-lose-money-staking-crypto for how exchange bankruptcy has played out in past cases and how self-custody staking avoids that particular risk.

Typical APYs and minimum amounts vary a lot by coin and platform, which is exactly what you'd enter into this calculator once you know them. See /staking/best-crypto-staking-platforms for current rates and minimums across major platforms, then plug the numbers that match your plan into the fields above to see the projected outcome.

This calculator only projects the math — it doesn't stake anything for you. Once you've settled on a stake amount and APY that looks right, see /staking/best-crypto-staking-platforms for a platform-by-platform comparison to open an account and actually start staking.

Staking and mining are the two different ways proof-of-stake and proof-of-work networks reward the people securing them — staking locks up coins as collateral, while mining spends computing power and electricity. See /staking/crypto-staking-vs-mining for a full comparison of the costs, rewards, and risks of each approach.