Staking Rewards Calculator

Enter the amount you plan to stake, the advertised APY, and the duration, then read back the projected reward, ending balance, and the cumulative yield curve.

Toggle compounding on if rewards are auto-restaked, off if they're paid out. The difference matters more than most people expect: 12% APY simple vs. compounded over five years lands you at 60% gain vs. 76% gain on the same starting principal.

Punch in a few different APYs side by side to see how validator commission rates or protocol emission cuts move the needle on a multi-year position.

The math. With compounding (rewards auto-restaked), final balance = principal · (1 + APY)^years. Without compounding (rewards paid out separately), final balance = principal · (1 + APY · years), and the principal stays at its original size — only the cumulative paid-out reward grows linearly. The tool computes both, side by side, so you can see the gap.

Worked example. Stake 1,000 tokens at 8% APY for 5 years. Compounded annually: final = 1,000 · 1.08^5 = 1,469.33. Linear payout (rewards withdrawn each period, principal never grows): final = 1,000 + 1,000 · 0.08 · 5 = 1,400. The compounding case earns 69.33 more tokens — about 4.95% extra return on top of the linear case, just from re-staking. At 12% APY for 5 years, the gap widens: 1,762.34 vs 1,600, a 162.34-token difference. At 20% APY for 10 years, the compound result more than doubles the linear payout (619.17% vs 200%).

What the tool does not model — and what trips up most people. APY is rarely a constant. Validator commissions change. Inflation rates on the chain change as supply grows. Slashing events take chunks out of the principal. The headline APY is a snapshot; over a multi-year position, the realized return drifts. Treat the calculator's output as a planning ceiling, not a guarantee. A 7% APY today, after a likely commission bump and 1-2% issuance taper over three years, is more realistically 5-6% projected.

Reality check on commissions and emissions: most PoS chains pay validator commissions out of gross block rewards. Listed APY on validator dashboards is sometimes gross (before commission), sometimes net (after). Read the fine print. A 7% gross APY at a 10% commission validator is 6.3% net to you. Switching to a 5% commission validator gets you 6.65% — meaningful over years. The tool accepts a commission-adjusted APY, so enter the net rate, not the headline.