Staking / Earn Rewards Calculator
Staking at this APY — what does your balance look like in a few years? This tool compounds the interest properly, and is honest about where the risks hide.
Check whether the platform shows APR (before compounding) or APY (after) — if it's APY, pick "Yearly" here to avoid double-compounding.
Enter principal, rate, and duration — results update instantly
Three things to know before you stake
- Rewards are paid in tokens, not dollars— a 10% yield doesn’t help if the token drops 40%. This calculator assumes a constant token price.
- Lock-up periods— many staking products can’t be withdrawn instantly (7-28 days or more). The time you can’t exit is exactly when a crash hurts most.
- Platform risk— unusually high yields usually mean the platform is taking risks with your deposit. Celsius and FTX Earn collapsed with customer funds; “guaranteed” above-market returns are a red flag.