Crypto Staking Rewards Calculator

Staking is the primary mechanism by which proof-of-stake cryptocurrencies reward participants for securing the network. When you stake coins — locking them in a validator node or a protocol's staking contract — you earn a share of newly minted tokens or transaction fees proportional to your stake. This calculator projects staking rewards over any time period using the stated APY and daily compounding, which reflects how most PoS protocols distribute rewards. Ethereum stakers on the Beacon Chain earn roughly 3–5% APY; Solana validators and delegators typically earn 6–8%; Cardano delegators earn around 3–4%; Polkadot nominators can earn 10–15% but with higher complexity and slashing risk. New or smaller PoS chains often offer 20–50% APY to attract early validators, but these rates typically compress as total staked value grows. The calculator outputs daily rewards alongside total rewards, which is useful for understanding the passive income cadence — $5,000 staked at 8% APY generates approximately $1.10/day and $400/year. Institutional stakers use it to model yield against opportunity cost. DeFi liquidity providers use it to compare protocol APY against risks. Retail holders use it to decide whether the illiquidity of a lock-up period is worth the yield for their time horizon.

The APY is first converted to a daily compounding rate: dailyRate = (1 + APY)^(1/365) − 1. This reverse-engineers the per-day rate that, when compounded 365 times, produces the stated annual yield. Total value after staking is then: Total = Amount × (1 + dailyRate)^days. Rewards = Total − Amount. As a worked example: $5,000 at 8% APY for 365 days. dailyRate = (1.08)^(1/365) − 1 ≈ 0.02107%. Total = $5,000 × (1.0002107)^365 = $5,000 × 1.08 = $5,400. Rewards = $400. Daily rewards ≈ $400 ÷ 365 ≈ $1.10/day. The projected annual rewards field uses the simple formula Amount × APY for a quick yearly estimate without daily compounding nuance.