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Staking Rewards Calculator

Calculate your expected staking rewards for proof-of-stake cryptocurrencies with optional compounding.

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How to use this calculator

  1. 1

    Enter the USD value of tokens you plan to stake and the current token price.

  2. 2

    Set the annual yield (APR) offered by your staking provider.

  3. 3

    Choose your compounding frequency (daily or monthly gives higher effective APY).

  4. 4

    Enter the validator or platform fee percentage.

  5. 5

    Review your monthly and annual rewards plus 3-year compounded totals.

Frequently asked questions

How does this tool apply the validator fee?

It takes the fee as a share of the rewards, not of the principal: net yield = APR × (1 − fee ÷ 100). An 8% APR with a 5% fee gives a net yield of 7.6%. The results show the net figures, and a separate line shows the annual reward before the fee.

What formula gives the annual and monthly reward?

Annual reward tokens = tokens staked × net yield, where tokens staked = staked USD ÷ token price. Annual reward in USD = reward tokens × token price, and monthly is one twelfth of that. These are simple, first-year figures even when monthly or daily compounding is chosen. With $5,000, an 8% APR and a 5% fee, the annual reward is $380.00 and the monthly reward $31.67.

How is the 3-year figure calculated?

It is the growth in token count after three years, minus the tokens you started with. Monthly compounding uses tokens × (1 + r ÷ 12)^36, daily uses tokens × (1 + r ÷ 365)^1,095 and no compounding uses tokens × (1 + 3r), where r is the net yield. The figure is in tokens, not dollars.

Why does the token price not change my dollar rewards?

Because the tool holds the price constant: tokens staked × price cancels back to the USD amount you entered. Changing the price from $4 to $8 on a $2,000 stake halves the tokens (500 to 250) and the reward tokens, but the annual reward stays $200.00. The tool does not forecast price moves.

Is the yield an APR or an APY?

The field is treated as an APR, a rate before compounding. If your provider quotes an APY, entering it here and then choosing monthly or daily compounding would count the compounding twice and overstate the result. The Net APY line shows the effective annual rate after fees and your chosen compounding.

Does the lock-up period change the numbers?

No. It is shown as a note only. The tool does not reduce rewards, delay them or model unstaking waits, so a lock-up of 30 days produces the same figures as no lock-up.

What if the fee is 100% or the yield is 0?

The net yield becomes 0, so every reward line shows zero and Net APY is 0.00%. The line showing the annual reward before the fee still reports the gross amount, which is $400.00 for $5,000 at 8%.

What risks and costs are not modelled?

Reward rates change over time, some networks can reduce staked balances if a validator misbehaves, and prices can fall. Tax treatment depends on where you live. None of these are in the calculation, which is not a prediction or investment advice; crypto assets can lose value.

About staking rewards calculator

Staking rewards calculator — net yield, compounding and 3-year token growth

How to use the staking rewards calculator

Use this staking rewards calculator to estimate annual earnings from staking your cryptocurrency. Enter the amount you plan to stake, the expected APY (annual percentage yield), and optionally the token price and compounding frequency. The tool shows projected rewards in tokens and USD. Free and instant.

How the staking rewards calculator works

The staking rewards calculator applies compound interest formulas to your staked principal using the entered APY. It computes daily, monthly, and annual reward accruals and converts them to USD using your entered token price. All calculations run locally in your browser — no wallet data is uploaded to any server.

From stake to reward

Staked tokens are your USD amount divided by the token price. The yield you enter is treated as an APR and reduced by the validator or platform fee to give a net yield: net = APR × (1 − fee ÷ 100). Annual reward tokens are tokens × net, annual reward in dollars is that count times the price, and the monthly figure is a twelfth of the annual one. Because the price is held constant, the dollar results do not depend on the price you type.

Worked example: $10,000 at 6% with a 10% fee

At a token price of $100, $10,000 buys 100 tokens. The fee reduces the 6% yield to 5.4%, so the annual reward is $540 (against $600 before the fee) and the monthly reward is $45. The compounding setting changes only the 3-year token growth and the Net APY. Net APY is 5.40% with no compounding, 5.54% monthly and 5.55% daily. Each of these is an example of the formula, not a forecast of any network’s rate.

Compounding compared on the same stake

The table reruns the example above (100 tokens, 6% APR, 10% fee) with each compounding option. It lists the first-year dollar reward, the token reward over three years and the net APY exactly as the calculator reported them.

Same $10,000 stake, three compounding settings
CompoundingAnnual reward (USD)3-year reward (tokens)Net APY
None$540.0016.20005.40%
Monthly$540.0017.54335.54%
Daily$540.0017.58465.55%

What the compounding rows tell you

The annual dollar reward is identical in all three rows because it is the simple first-year figure. The difference shows up over three years: monthly compounding adds about 1.34 more tokens than no compounding, and moving from monthly to daily adds only about 0.04 more. Most of the gain comes from compounding at all, not from compounding more often. Compounding also assumes you can restake rewards without fees or delays.

What the figures assume

The yield is fixed for three years, the token price never moves, and rewards are restaked as the chosen option implies. Lock-up periods are displayed but not applied, and slashing, unbonding waits and tax are outside the model. The 3-year result is in tokens, so its dollar value depends on a price the tool cannot know. These are not predictions, and crypto assets can lose value.

Staking Rewards Calculator – Utinzo

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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →