Staking Rewards Calculator
Calculate your crypto staking rewards with compound interest over time, including a month-by-month breakdown table and growth chart.
About This Tool
Staking is one of the most accessible ways to earn passive income in cryptocurrency. By locking your coins in a proof-of-stake network, you help validate transactions and earn rewards in return. But understanding how much you will actually earn requires factoring in the annual percentage yield (APY), compounding frequency, and staking duration -- variables that interact in non-obvious ways. This calculator does that math for you.
The core formula behind staking rewards is compound interest: A = P(1 + r/n)^(nt), where P is your staked amount, r is the annual rate (APY), n is the number of compounding periods per year, and t is the time in years. Compounding frequency matters significantly. Daily compounding yields more than monthly compounding at the same APY because rewards start earning their own rewards sooner.
This calculator lets you input your staked amount in either coin units or dollar value, set the APY with a slider (1% to 100%), choose your compounding frequency (daily, weekly, monthly, or yearly), and specify a staking period of 1 to 120 months. The results show your total rewards earned, final balance, and the effective APY -- which differs from the nominal APY when compounding is not annual.
The month-by-month breakdown table shows your balance growing over time, with columns for the opening balance, rewards earned that month, and closing balance. The first 10 months are shown by default, with a "Show all" toggle to reveal the complete schedule. This lets you track exactly when your staking crosses specific milestones.
The inline SVG growth chart provides a visual representation of your staking balance over the full period. The curve steepens as compounding accelerates, making the power of compound interest visually apparent. The chart is fully responsive and renders without any external libraries or dependencies.
All calculations run client-side in your browser. No staking amounts, APY rates, or projected returns are ever transmitted to any server. Your financial projections remain completely private.
How to Use
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1
Enter your staked amount
Input the number of coins or the dollar value you plan to stake or have already staked.
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2
Set the APY and compounding frequency
Use the slider to set the annual percentage yield. Choose how often rewards compound: daily, weekly, monthly, or yearly.
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3
Choose your staking period
Use the slider to set how many months you plan to stake, from 1 to 120 months (10 years).
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4
Review rewards and growth chart
See total rewards earned, final balance, effective APY, the month-by-month table, and the growth curve.
Where Does This Data Come From?
The compound interest formula A = P(1 + r/n)^(nt) is the foundation of this calculator. P is the principal (staked amount), r is the annual percentage yield expressed as a decimal, n is the number of compounding periods per year (365 for daily, 52 for weekly, 12 for monthly, 1 for yearly), and t is the time in years. The effective APY is calculated as (1 + r/n)^n - 1, which represents the actual annual return after compounding is factored in. For the month-by-month breakdown, the balance is computed iteratively for each month to show the precise growth trajectory. All computation is performed in client-side JavaScript with no server calls.