Crypto Staking Rewards Calculator
Estimate your annual staking rewards based on your holdings, APY, and compounding frequency. See how your rewards grow over up to 30 years with the power of compound interest.
Configure Your Staking
Typical range: 3%–15% for major PoS assets
How Compound Staking Works
When you stake crypto, you earn rewards on your holdings. If you reinvest (compound) those rewards, you earn rewards on your rewards too. Over long periods, this compounding effect can dramatically increase your total holdings — even with modest APYs.
Final Value = P × (1 + r/n)^(n×t)
Where: P = principal, r = annual rate, n = compounds/year, t = years
Total Rewards = Final Value − PrincipalMonitor real staking income with a portfolio tracker
This calculator projects future rewards. To track your actual staking income and stay on top of taxes, use a portfolio tracker that supports DeFi and staking.
Frequently Asked Questions
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Understanding your staking projection
Staking rewards are one of the few genuine sources of passive income in crypto — but the headline APY figure can be misleading. The real yield depends on how the rewards are compounded, whether the underlying asset appreciates or depreciates, and how rewards are taxed in your jurisdiction. A 10% APY on an asset that falls 30% in value is still a net loss.
The compounding frequency matters significantly over long time horizons. Rewards compounded daily at 8% APY produce meaningfully more than rewards claimed and reinvested monthly at the same rate. If your staking platform allows auto-compounding, it is generally worth enabling.
Staking rewards are paid in the staked asset. If ETH or SOL falls 50% during your staking period, your rewards are also worth 50% less in fiat terms. Staking is most effective as a long-term accumulation strategy on assets you believe will appreciate — not as a way to generate stable fiat income.
Staking often encourages holding a single asset in large quantities. Investors who stake 80%+ of their portfolio in one asset are highly exposed to that asset's specific risks: protocol failures, slashing events, regulatory changes, or simply poor price performance. Diversification across staked assets reduces this risk.
In most jurisdictions, staking rewards are treated as ordinary income at the time of receipt, not at the time of sale. This means you may owe tax on rewards even if you never sell them. The tax liability can compound quickly at high APY rates — factor this into your net yield calculation.
Staking APYs fluctuate based on network participation rates, validator competition, and protocol changes. The APY shown today may be significantly lower in 12 months. Conservative projections using 50–70% of the current APY tend to produce more realistic long-term estimates.
Staking rewards used as a passive income stream in a FIRE plan can meaningfully reduce the portfolio size required for financial independence. If your FIRE target assumes a 4% withdrawal rate, a staking yield of 6–8% on part of your portfolio effectively reduces the capital required to sustain that income. Modelling this interaction in the FIRE Calculator gives a more complete picture.
Your Next Planning Steps
Staking rewards are passive income — but they connect to your tax position, FIRE timeline, and DCA strategy. Explore the full picture.
Stack staking rewards on top of a DCA strategy to model compounded long-term growth.
Use your projected staking income as a passive income stream in your FIRE plan.
Staking rewards are taxable income in most jurisdictions. Estimate your tax exposure.
Track your staking rewards in real time with the best portfolio tracking apps.
These tools are for educational planning purposes only and do not constitute financial advice.
Now that you have your numbers, here are the most useful next steps for your investor journey.
Track your portfolio automatically
Once you know your numbers, connect your exchanges and wallets to a portfolio tracker to monitor performance in real time.
See top trackersUnderstand your tax obligations
Every trade, swap, and staking reward may be a taxable event. Crypto tax software automates the calculation so you don't have to.
Compare tax softwareSecure your holdings
If your portfolio is growing, a hardware wallet is the safest way to store crypto you're not actively trading.
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Methodology: This calculator uses standard financial formulas for illustrative purposes. Results are estimates only and should not be treated as financial advice. Crypto markets are volatile — actual returns will differ from projections. Always consult a qualified financial adviser before making investment decisions. Our editorial standards →