Staking lets you earn rewards for locking crypto into a blockchain network to help validate transactions. Instead of letting assets sit idle, staking generates yield — compounded over time into a significantly larger holding.
APR (Annual Percentage Rate) is the raw reward rate. APY (Annual Percentage Yield) includes compounding — the more frequently rewards compound, the higher your effective APY.
Daily compounding of a 10% APR gives you ~10.52% APY. Weekly gives ~10.51%. The difference grows larger at higher rates.
Staking rewards compound your coin count. If the coin's price also rises, your USD-denominated returns multiply. Price risk works both ways.
Some protocols require locked staking (e.g., ETH validators had 2-year lockups). Others offer flexible staking with lower rates. Factor in liquidity risk.
ⓘ This calculator models token compounding. Real-world rates fluctuate. Price appreciation is speculative — set to 0% for a conservative coins-only view.
| Year | Tokens Staked | Rewards Earned | Token Price | Portfolio Value (USD) | Annual Yield ($) | ROI |
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A 10% APR compounded daily = 10.52% APY. At 20% APR, daily compounding yields 22.13% APY. Always check whether a protocol quotes APR or APY — they can look similar but compound to very different outcomes.
A crypto APY calculator projects how your holdings grow when staking rewards are compounded over time. Enter your stake amount, the advertised APR or APY, and a compounding frequency (daily, weekly, or per-epoch) and it shows the year-by-year balance — separating reward growth from any price appreciation or decline you model.
No. APR is the simple annual rate before compounding; APY includes the effect of reinvesting rewards. A 10% APR compounded daily works out to roughly 10.52% APY — the more frequent the compounding, the larger the gap between the two figures.
Projections assume a constant rate and price, which real staking rarely delivers — validator rewards fluctuate with network participation, and token price is the dominant driver of dollar returns. Use this calculator to compare compounding structures and reward scenarios, not as a guaranteed forecast.