Crypto staking rewards calculator with APY estimates. Calculate your annual and monthly staking rewards for cryptocurrency holdings.
Total value of crypto you want to stake
Expected annual percentage yield
Staking is like earning interest on your crypto holdings. You lock up your coins to help secure a blockchain network and earn rewards in return. It's passive income without trading.
APY shows how much you'll earn in one year as a percentage. 10% APY on $1,000 = $100 earned. Higher APY = more rewards (but often more risk).
Only PoS cryptocurrencies offer staking. Examples: Ethereum, Cardano, Polkadot. Bitcoin doesn't offer staking because it uses Proof of Work (PoW).
You deposit crypto into a staking protocol → Your coins help validate transactions → You earn rewards (new coins) → Rewards compound if you restake them.
Some staking requires you to lock coins for days or weeks. During this time, you can't sell or move them. Check unbonding periods before staking.
Validators: Run nodes, need technical knowledge. Delegators: Stake through validators, easier but pay commission fees (5-10%).
Enter the total USD value of crypto you plan to stake. Example: You have 5 ETH at $2,000 each = enter $10,000
Enter the APY percentage offered by the staking protocol. Find this on the platform's website, staking section, or resources like Staking Rewards.
Check: Staking platform websites, StakingRewards.com, CoinGecko, or your wallet's staking section. APY changes over time based on network activity.
The calculator shows annual, monthly, weekly, and daily rewards. Use these to understand your passive income stream.
Stake $10,000 worth of Ethereum at 5.5% APY:
Annual Rewards = Holdings Value × (APY / 100)
Example: $10,000 × (5.5 / 100) = $550
Monthly Rewards = Annual Rewards / 12
Example: $550 / 12 = $45.83
Daily Rewards = Annual Rewards / 365
Example: $550 / 365 = $1.51
Weekly Rewards = Annual Rewards / 52
Example: $550 / 52 = $10.58
This calculator shows simple interest (non-compounding). If you restake your rewards, your actual earnings will be higher due to compound interest. Many protocols auto-compound rewards.
APY: 3-5% | Min: 32 ETH (validator) or any amount (liquid staking) |Lock-up: Until withdrawals fully enabled
APY: 4-5% | Min: ~10 ADA | Lock-up: None - fully liquid staking
APY: 12-15% | Min: ~120 DOT | Lock-up: 28 days unbonding period
APY: 15-20% | Min: Any amount | Lock-up: 21 days unbonding period
APY: 6-8% | Min: Any amount | Lock-up: 2-3 days unbonding
APY: 8-10% | Min: 25 AVAX | Lock-up: 2 weeks minimum stake
APY: 5-6% | Min: Any amount | Lock-up: None - fully liquid
APY: 4-5% | Min: Any amount | Lock-up: None - instant liquidity
APY rates fluctuate based on network activity, number of stakers, and protocol changes. Always verify current rates before staking.
Regularly claim and restake rewards to earn "interest on interest." This significantly boosts long-term returns through compounding.
Don't put all funds with one validator. Spread across 2-3 validators to reduce risk if one has downtime or gets slashed.
Platforms like Lido (Ethereum) or Marinade (Solana) let you stake while keeping liquidity. You receive tokens representing your stake that you can trade.
Some networks penalize validators for misbehavior or downtime. Choose validators with high uptime (99%+) and good reputation to avoid losing staked funds.
Higher APY often means higher risk. Mix stable, established networks (ETH, ADA) with higher-yield options (DOT, ATOM) based on your risk tolerance.
Don't stake 100% of your holdings. Keep 20-30% liquid for emergencies, opportunities, or to take advantage of market movements.
Staked funds may be locked for days or weeks. You can't sell during market crashes. Always check unbonding periods before staking.
Validators who misbehave or go offline can lose staked funds. Choose reputable validators with high uptime to minimize this risk.
Earning 10% APY means nothing if the token price drops 30%. Staking rewards don't protect against market downturns.
DeFi staking uses smart contracts. Bugs or exploits can lead to loss of funds. Stick to audited protocols with proven track records.
High staking rewards often come from inflation (creating new tokens). This can dilute value if demand doesn't keep up with supply.
Staking rewards are taxable income in many jurisdictions. Track all rewards and consult a tax professional to avoid surprises.
Large staking pools can centralize networks. Consider smaller, reliable validators to support decentralization.
While staked, you miss trading opportunities. If a coin pumps 50%, you can't sell during lock-up. Balance staking with liquid holdings.
Research which cryptocurrency to stake. Consider APY, lock-up periods, minimum amounts, and your risk tolerance. Start with established networks.
Options: Native wallets (most secure), exchanges (easiest), or DeFi platforms (highest yield). Beginners: start with trusted exchanges like Coinbase or Kraken.
If delegating, research validators. Check uptime (99%+), commission (5-10%), and reputation. Avoid the largest validators to support decentralization.
Transfer crypto to your chosen platform, navigate to staking section, select amount, confirm transaction. Double-check addresses and amounts.
Check your staking dashboard weekly. Some platforms auto-compound, others require manual claiming. Track rewards for tax purposes.
Regularly review validator performance, APY changes, and market conditions. Be prepared to adjust your strategy as needed.
Start small! Stake a small amount first to understand the process, then scale up once you're comfortable. This minimizes risk while you learn.
Staking rewards are typically taxable as income when received in most jurisdictions. The tax rate and specific rules vary by country and your income level.
Crypto staking taxation is complex and rapidly evolving. Consult with a tax professional who specializes in cryptocurrency to ensure compliance with your local regulations and optimize your tax strategy.