Advanced staking calculator with compound interest, APY, and APR calculations. Calculate staking rewards with daily compounding and additional deposits.
Amount you're staking initially
Annual percentage yield
How long you'll stake (in days)
How often rewards compound
Extra amount added monthly
Compound staking reinvests your rewards automatically, earning "interest on interest." Instead of withdrawing rewards, they're added to your stake, generating even more rewards. This accelerates growth significantly over time.
APY (Annual Percentage Yield) includes compound interest. APR (Annual Percentage Rate) doesn't. If a protocol offers 10% APY with monthly compounding, your APR is ~9.57%. APY is always higher when compounding occurs.
How often rewards are reinvested. Daily (365x): Maximum growth. Monthly (12x): Good balance.Quarterly (4x): Basic compounding. More frequent = higher returns.
Regular monthly contributions accelerate compound growth dramatically. Even small amounts ($50-100/month) can significantly boost your final value through dollar-cost averaging.
Compound interest grows exponentially over time. Staking for 2 years can yield 2.5-3x more than simple interest. Longer periods = exponential growth acceleration.
Some DeFi protocols auto-compound rewards for you (Lido, Rocket Pool, Yearn Finance). Others require manual claiming and restaking. Auto-compounding saves gas fees and optimizes timing.
Enter the USD value you're staking at the start. Example: $10,000 worth of ETH, ADA, or stablecoins.
The annual yield offered by the protocol. Find this on staking platforms, protocol websites, or StakingRewards.com. Typical range: 3-20% for major chains, 20-100%+ for DeFi.
How long you'll stake in days. 365 days = 1 year. Longer periods show the power of compound interest. Try 730 days (2 years) or 1825 days (5 years) to see exponential growth.
Select how often rewards compound: Daily (365x per year), Monthly (12x per year),Quarterly (4x per year), or Annually (1x per year). Daily compounds most aggressively.
Monthly amount you'll add. Enter 0 if you won't add more, or $100-1000+ if you plan regular contributions. This simulates dollar-cost averaging into staking.
You'll see: Total Value (final amount), Interest Earned (profit from compounding),APY (with compounding), and APR (without compounding).
Stake $10,000 at 10% APY for 2 years with daily compounding and $200 monthly deposits:
Result: ~$17,500 total value (~$2,700 interest + $4,800 deposits)
Rate = (APY / 100) ÷ Compound Frequency
Example: (10 / 100) ÷ 12 = 0.00833 per month
Periods = (Days ÷ 365) × Frequency
Example: (365 ÷ 365) × 12 = 12 periods
Amount = Initial × (1 + Rate)^Periods
Example: $10,000 × (1.00833)^12 = $11,047
Deposits = Monthly Amount × Number of Months
Example: $100 × 12 months = $1,200
Total = Compound Amount + Deposits
Example: $11,047 + $1,200 = $12,247
Interest = Total - Initial - Deposits
Example: $12,247 - $10,000 - $1,200 = $1,047
APR = ((1 + APY/100)^(1/Frequency) - 1) × Frequency × 100
This converts APY (with compounding) back to APR (without). The difference shows the compounding benefit. For 10% APY with monthly compounding: APR ≈ 9.57%. The 0.43% difference is pure compound interest gain.
The more frequently rewards compound, the more you earn. Compare $10,000 staked at 10% APY for 1 year:
$10,000 → $11,000 (exactly 10% gain)
Rewards paid once at year-end. Simple interest only.
$10,000 → $11,038 (+$38 vs annual)
Rewards paid every 3 months and reinvested.
$10,000 → $11,047 (+$47 vs annual)
Rewards paid monthly. Common in DeFi protocols.
$10,000 → $11,051 (+$51 vs annual)
Rewards paid weekly. Accelerates compound growth.
$10,000 → $11,052 (+$52 vs annual)
Maximum compounding. Best for long-term staking.
$10,000 → $11,052 (same as daily)
Mathematical limit. Daily is effectively continuous.
While daily compounding adds only $52 more than annual for 1 year, over 5 years at 10% APY, it adds $270+ more profit! The longer you stake, the more frequency matters. Always choose protocols with the highest practical compound frequency.
Protocols like Lido, Rocket Pool, and Yearn Finance auto-compound for you. This saves gas fees, optimizes timing, and ensures you never miss compounding opportunities.
Compound interest is exponential. Staking for 2 years can yield 2.5-3x more than 1 year at the same APY. Time is your most powerful tool for wealth building.
Monthly contributions amplify compound growth significantly. Even $100-200/month can add thousands over years. This combines DCA (dollar-cost averaging) with compound staking.
Daily (365x) compounding beats monthly by 0.5-1% annually. Over 5 years, that's 2.5-5% more profit. Always choose protocols with daily or continuous compounding.
50% APY sounds amazing but may be unsustainable or risky. A stable 10-15% APY with daily compounding on a reputable protocol often outperforms over time.
If not auto-compounding, claim and restake rewards as soon as profitable (considering gas fees). Delaying even a week reduces your compound growth potential.
Scenario A: $10,000 at 10% APY, annual compounding, no deposits, 5 years = $16,105
Scenario B: $10,000 at 10% APY, daily compounding, $200/month deposits, 5 years = $29,500+
That's $13,000+ more profit from optimizing frequency and adding regular deposits! Small optimizations compound into massive gains over time.
Many protocols lock funds for weeks or months. You can't access capital during market crashes. Always check unbonding/unstaking periods before committing.
Earning 20% APY means nothing if the token price drops 50%. Your compound interest gains can be wiped out by market downturns. Stablecoins reduce this risk.
DeFi protocols use smart contracts. Bugs or exploits can drain funds. Only use audited protocols with proven track records (Lido, Aave, Compound, etc.).
High APY often comes from inflating token supply. If the network creates 20% more tokens annually, your 20% APY just maintains your relative share - no real gain.
Validators can lose funds for misbehavior or downtime. When delegating, choose validators with 99%+ uptime and strong reputation to minimize slashing risk.
Compound rewards may be taxable as income each time they're received, not just when withdrawn. This creates potential tax liability even if you haven't cashed out.
Staked funds can't be used for trading or other DeFi opportunities. If better options emerge, you might miss out during lock-up periods.
APY rates can change without notice. Networks may reduce rewards as more users stake or as the protocol matures. Monitor rates regularly.
APY: 3-5% | Compound: Daily | Liquidity: Yes (stETH) |Risk: Low. Liquid staking with auto-compounding.
APY: 4-5% | Compound: Every 5 days | Liquidity: Fully liquid |Risk: Low. No lock-up, safe staking.
APY: 12-15% | Compound: Daily | Liquidity: 28-day unbonding |Risk: Moderate. Higher APY, longer lock-up.
APY: 15-20% | Compound: Auto with some validators | Liquidity: 21-day unbonding |Risk: Moderate-High.
APY: 5-15% | Compound: Manual/Auto options | Liquidity: Instant |Risk: Low-Moderate. Stablecoin pools.
APY: 2-8% | Compound: Continuous (per block) | Liquidity: Instant |Risk: Low. Blue-chip DeFi lending.
Compound staking rewards are typically taxable as income when received, not when withdrawn. This means each compounding event may create taxable income, even if auto-compounded. Tax rates and rules vary significantly by jurisdiction.
Compound staking taxation is extremely complex and varies by country, state, and individual circumstances. The IRS and other tax authorities are actively developing guidance. Consult with a crypto-specialized tax professional to ensure compliance, optimize your tax strategy, and avoid penalties. The cost of professional advice is typically far less than potential tax liabilities or fines.