See what your staked crypto actually earns. Enter your stake, the advertised APR, how often rewards compound, and how long you'll hold — get your final balance, effective APY, and exactly how much compounding adds versus just claiming rewards and letting them sit.
Staking rewards
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Final balance
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Total rewards
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Effective APY
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Extra from compounding
Effective APY annualizes the return once compounding is included, so it's always at or above the nominal APR you entered. "Extra from compounding" is the additional reward versus claiming rewards but never restaking them (simple interest) over the same period.
Trader's toolkit
Plan the trade here — then track it.Size every trade by risk, journal it, and find out if you actually have an edge. An Excel/Sheets workbook: position sizer, auto trade journal (R-multiple, PnL, win rate) and an equity-curve dashboard.
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APR vs. APY — why staking rewards compound
Most staking pages advertise an APR (annual percentage rate) — the nominal yearly reward rate before compounding. But if rewards are automatically restaked (or you manually restake them) rather than left idle, each round of rewards earns its own rewards. The annualized return once that reinvestment is included is the APY (annual percentage yield), and it is always equal to or higher than the APR — the more frequently rewards compound, the wider the gap.
The math: split the APR into n compounding periods a year, so each period pays APR/n. After one period your balance is principal × (1 + APR/n). After n periods (one year) it's principal × (1 + APR/n)n. Effective APY is just that growth factor minus one, expressed as a percent. At a 12% APR, daily compounding (n=365) gives roughly 12.75% APY; monthly compounding gives about 12.68%; annual compounding gives exactly 12% — because with one period a year there's nothing to compound.
How much does compounding frequency actually matter?
Less than most marketing implies, at typical staking rates. The jump from monthly to daily compounding on a 12% APR is a few tenths of a percent — noticeable over years, not transformative over months. What matters far more is whether you restake at all. Letting rewards sit unstaked (simple interest, the "None" option above) means your rewards stop earning entirely, which this calculator's "extra from compounding" figure isolates as a real dollar number, not just a rate.
What the APY figure doesn't include
This is a rewards-only calculation — it holds the token's price fixed. Real staking outcomes depend just as much on what the underlying asset does in USD terms: a 12% APY in a token that falls 30% still nets a loss. It also ignores protocol-specific realities that eat into headline APY: validator or platform fees (commonly 5–15% of rewards), slashing risk (a misbehaving or offline validator can lose a portion of stake on some networks), and unbonding/lock-up periods (many chains hold your stake for days to weeks after you unstake, during which it earns nothing but also can't be sold). Treat the advertised APY as the best case and build in a margin for these before deciding how much to stake.
Once you know what a stake is likely to return, the DCA and spot-profit calculators help compare it against simply holding or dollar-cost-averaging the same capital into the asset directly.
Frequently asked questions
How is crypto staking APY calculated?
Split the nominal APR into equal compounding periods, grow the balance by (1 + APR/periods) each period, and compound over the year. Effective APY is the resulting annual growth factor minus one, expressed as a percent — it is always at or above the nominal APR.
What's the difference between staking APR and APY?
APR is the simple annual rate before compounding. APY includes the effect of reinvesting rewards as they're earned, so each round of rewards starts earning its own return. The more frequently rewards compound, the further APY pulls ahead of APR.
Does compounding frequency make a big difference?
At typical staking rates, going from monthly to daily compounding only adds a few tenths of a percent to your APY. The bigger factor is whether rewards are restaked at all — leaving them unstaked (simple interest) forgoes all of the compounding benefit, not just part of it.
What risks does the staking APY figure not account for?
It holds the token's price fixed, so token price moves in either direction aren't reflected. It also excludes validator/platform fees taken from rewards, slashing risk on some networks, and unbonding periods where unstaked funds sit idle before becoming liquid.
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