Staking Rewards Calculator
Calculate crypto staking income with compounding. Compare returns at different APY rates.
By Konstantin Iakovlev · Updated September 2026 · Source: IRS — Rev. Rul. 2023-14 (tax treatment of staking rewards)
Total Rewards
$500.00
Final Value
$10,500.00
Effective Yield
5.00%
Monthly Income
$41.67
Staking Summary
| Amount Staked | $10,000.00 |
| APY | 5.0% |
| Compounding | Daily |
| Total Rewards | $500.00 |
| Final Value | $10,500.00 |
Staking vs a Savings Account at an Assumed 4% APY
| Staking Rewards | $500.00 |
| Savings Interest | $400.00 |
| Staking Advantage | $100.00 |
Use the Staking Rewards Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Projecting staking income means accounting for compounding, which is where the bulk of long-run growth comes from. Seeing how different reward rates play out helps shape investment choices, especially with many networks and platforms competing on yield. Mapping that growth makes it easier to refine how and where you stake.
Choose how your platform quotes the rate. An APY already includes compounding, so the projection grows the stake by (1 + APY) each year and the compounding setting changes nothing. An APR is a nominal rate, so the projection uses A = P(1 + r/n)^(nt), with n = 365, 52 or 12 for daily, weekly or monthly compounding and t the period in years: 5% APR compounded daily works out to about 5.13% a year. The comparison line assumes a savings account paying a 4% APY.
Treat any quoted APY as a moving target, since rates shift and past returns guarantee nothing about future ones. Unstaking periods can tie up funds for weeks, so weigh liquidity alongside the security and track record of the validator or platform. If you stake into liquidity pools, factor in impermanent loss, and watch network fees that can quietly erode smaller payouts.
Example: Staking $15,000 at 8% for Two Years
- 1 Input: Amount Staked $15,000 (for example, SOL bought for that amount), rate quoted as an APY of 8%, Staking Period 2 Years.
- 2 Final value: $15,000 × 1.08 × 1.08 = $17,496.00. Total rewards: $2,496.00; Effective Yield 16.64% over the two years; Monthly Income $104.00 ($2,496.00 ÷ 24).
- 3 If your validator quotes 8% as an APR compounded daily instead, switch the rate type: $15,000 × (1 + 0.08/365)^(365 × 2) = $17,602.35, because 8% APR compounded daily equals about an 8.33% APY.
- 4 These dollar figures assume the token's price stays put, and a price move can outweigh the rewards: if SOL fell 20% over the two years, the position would be worth about $13,996.80, less than the $15,000 you started with.
Source: IRS — Rev. Rul. 2023-14 (tax treatment of staking rewards) · Last updated: September 2026
Frequently Asked Questions
How much can I earn staking crypto?
Is crypto staking income taxable?
What is the difference between APY and APR in staking?
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