A penalty some proof-of-stake networks impose on validators for misbehavior (double-signing) or extended downtime, which can reduce the staked principal — a real risk this calculator doesn't model.

What's an unbonding period?

A mandatory waiting period (days to weeks, depending on the network) between requesting to unstake and actually being able to withdraw your funds — check your specific network's rules.

Are staking rewards taxed?

In many jurisdictions, yes — often as ordinary income at the fair market value when received, separate from any later capital gain or loss when you eventually sell. Rules vary by country; consult a tax professional.

Does compounding frequency matter a lot?

It has a real but usually modest effect at typical staking APYs — more frequent compounding (daily vs. annually) produces a somewhat higher ending balance at the same stated APY.

Can I stake through an exchange instead of running my own validator?

Yes, many exchanges and staking pools offer this, typically for a fee that reduces your effective APY compared to running your own validator — factor that into your assumed APY input.

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Staking Rewards Calculator

Projected staking rewards over time at an assumed APY and compounding frequency.

🔒 Runs entirely in your browser — nothing here is ever uploaded

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Last reviewed 2026-08-30

About the Staking Rewards Calculator

Projects staking rewards over time from a staked amount, an assumed APY, and a compounding frequency (how often rewards are automatically restaked) — a hypothetical projection, since real staking APY isn't fixed or guaranteed the way a bank account's is.

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How to use it

Enter the amount you're staking.
Enter an assumed APY and how often rewards compound.
Enter a time horizon in years.
Read the projected ending balance and total rewards earned.

Formula

Per-period rate = APY ÷ compounding periods per year. Ending balance = staked amount × (1 + per-period rate)^(compounding periods per year × years). Total rewards = ending balance − staked amount.

Worked example

$10,000 staked at a 5% assumed APY, compounding daily, over 1 year: a projected ending balance of about $10,512.70 — $512.70 in total rewards.

Interpreting your result

This is a hypothetical projection using a constant assumed APY — real staking APY fluctuates with network-wide participation, protocol issuance schedules, and validator/pool performance, and is not fixed or guaranteed. It also doesn't model slashing risk (a penalty reducing your staked principal for a misbehaving or offline validator on some networks), lock-up/unbonding periods that can delay withdrawing your stake for days or weeks, or taxes (many jurisdictions tax staking rewards as ordinary income when received, separate from any later capital gain/loss on the asset itself). Not financial advice.

Recommendations

• More frequent compounding produces a slightly higher ending balance at the same APY, but the difference between daily and monthly compounding is usually small at typical staking rates.
• Real APY on most proof-of-stake networks moves inversely with total network participation — as more of the total supply gets staked, the per-staker reward rate typically declines.
• Check whether your specific staking method involves a lock-up or unbonding period before assuming you can withdraw at any time — this varies by network and by whether you're staking directly or through an exchange/pool.

Frequently asked questions

No — staking APY is variable and depends on network participation, protocol rules, and validator/pool performance. It can and does change, sometimes significantly, over time.