Staking Calculator
Calculate staking rewards after fees, compounding and price risk
Cryptocurrency prices are volatile and you can lose the whole amount. The figures are estimates: they do not include slippage, network delays or exchange limits. This is not financial or investment advice and not a recommendation to buy or sell. Full disclaimer
How to Use
Pick your coin and enter its rate
The buttons only name the coin. Type the rate from your exchange or validator — advertised yields change often, so the calculator does not guess one for you.
Set the platform fee honestly
Enter the share of rewards the platform keeps — it is on its staking page and it changes; running your own validator keeps 0% but needs technical work. This single number changes the result more than the headline rate.
Decide: reinvest or withdraw
Reinvesting turns the yield into compound interest; withdrawing gives simple interest. Over one year the gap is small, over five it is large.
Add the price risk before you believe the number
Staking pays in the coin itself. Open the optional block and enter a realistic price change — the tool shows the break-even drop that cancels the entire yield.
Two easy ways to start
Flexible staking on an exchange
A few taps in the exchange app: pick a coin, choose the flexible product, confirm. Lower yield than locked staking, but you can withdraw any day — the right place to learn how rewards actually accrue.
Locked or native staking
Locking for a fixed term, or staking directly in the coin's own network, pays noticeably more. The catch is the unstaking period: enter it in the optional block, because during a crash you will not be able to sell.
Reality check: a 14% yield on a coin that falls 30% is still a 20% loss. Compare the yield against how volatile that coin is, not against a bank deposit.
Optimization Guide & Technical Info
Crypto Staking Calculator
Work out what staking actually pays after the platform keeps its cut. Enter the amount, the real APY your exchange offers and the commission it charges, and the calculator shows the reward with and without reinvesting — plus the price fall that would cancel the whole yield.
Key Features
- Real APY after the platform commission, not the advertised headline rate
- Compounding compared against simple payout over the same period
- Daily, weekly, monthly or yearly reward frequency
- Break-even price drop — how far the coin can fall before the yield is gone
- 100% in your browser — nothing you type is sent anywhere
For Specific Platforms
Ethereum
solo staking needs 32 ETH and an exit queue; a pool takes a share of the reward but has no minimum and no queue of its own.
Solana, Cardano, Polkadot
the validator takes a commission before you see anything — enter it, or the result overstates the yield by that amount.
Exchange staking
the advertised figure is usually already net of the exchange cut, so leave the commission at zero to avoid subtracting it twice.
Locked terms
if the coin is locked for a period, the reward has to cover a price fall you cannot exit from — read the break-even drop for that.
How the Calculation Works
Two numbers decide the result. The first is whether the reward is reinvested: paid out, it grows in a straight line; restaked, each payout joins the stake and earns in the next period, which is the difference between APR and APY. The second is the validator commission, taken from the reward before it reaches you, so it lowers the rate rather than the deposit.
The tool converts the rate you enter into the rate for one payout period, applies it as many times as there are periods in your horizon, then subtracts the commission. The break-even drop it reports is the fall in the coin price that would exactly cancel the reward — the number that matters when the coin is locked and you cannot leave. Every figure is computed locally in your browser.
Formulas and Algorithms
R = P · APY · t · (1 − c) c — the validator commission, taken from the reward before it reaches you.
FV = P · (1 + (APY/m)·(1 − c))m·t What is reinvested is the reward after the validator takes its cut, so the commission sits inside the growth, not beside it.
APY = (1 + APR/m)m − 1 The difference between the two is exactly what reinvesting adds.
D = R / (P + R) × 100% The fall over the whole term, not per year — the reward is measured against the balance it produced.
Real Scenarios
Pool against solo
run the pool’s commission against solo staking with none, and see whether the difference justifies locking 32 ETH.
Comparing two validators
the same coin at 5% with a 10% commission and at 4.6% with none pay almost identically — the tool says which is ahead.
Deciding on a locked term
read the break-even drop; if the coin routinely moves further than that in a month, the lock is the risk, not the rate.
Payout against restake
switch reinvestment off and on — over a year it is small, over five it is most of the result.
Frequently Asked Questions
Q: What is the difference between APR and APY in staking?
A: APR is the plain annual rate. APY assumes the rewards are staked again, so it already contains compounding. Two platforms quoting 10% can pay differently: one as APR, one as APY. Compare the same measure, and check which one the platform means.
Q: How much does the exchange keep from staking rewards?
A: It depends on the platform and the coin, and platforms change it — the current figure is on the staking page. Running your own validator keeps everything but needs hardware, uptime and technical work. That commission changes the final figure more than a percentage point of yield does.
Q: Is staking yield guaranteed?
A: No. The rate floats with network conditions and validator performance, advertised yields change from week to week, and some networks apply slashing — a penalty that removes part of the stake if the validator misbehaves or goes offline.
Q: Can I withdraw staked coins at any time?
A: Flexible products usually allow it. Locked staking and native network staking have an unbonding period — days or weeks, depending on the network and the platform — during which the coins cannot be sold. In a falling market that wait is the real risk, not the yield.
Q: Does staking protect against the coin falling in price?
A: It does not. Rewards are paid in the same coin, so a 14% yield on a coin that loses 30% is still a 20% loss. The calculator shows the break-even drop — the price fall at which the entire reward is canceled out.