CoinucationStaking rewards calculator
Enter the amount you stake, the reward rate your validator or protocol pays, and how long you plan to stake. Choose compounding to see the APY effect when rewards are restaked.
APR versus APY
APR is the simple annual rate. APY includes compounding: if rewards are added to your stake and themselves earn rewards, the effective rate is higher. Liquid staking tokens and most protocols compound automatically; some native staking requires you to restake manually.
Where reward rates come from
Proof-of-stake networks pay rewards from new issuance and transaction fees. Rates fall as more of the supply is staked. Typical 2026 ranges: Ethereum around 3%, Solana 6 to 7%, Cardano 2 to 3%, Polkadot 10 to 12%, Cosmos 15% and higher. Check the current rate on the protocol or your provider; rates change.
Risks the calculator cannot show
Price risk dominates: a 4% yield means little if the token falls 40%. Use the price-change field to test scenarios. Other risks include slashing (penalties for validator misbehaviour), unbonding periods during which you cannot sell, smart-contract risk in liquid staking, and taxes on rewards as income in many countries.
Frequently asked questions
How are staking rewards calculated?
Rewards = stake x rate x time for simple APR. With compounding, final balance = stake x (1 + rate/n)^(n x years), where n is the number of compounding periods per year.
Is staking income taxable?
In the US the IRS treats staking rewards as ordinary income when you gain control of them, with capital gains on any later price change. Rules differ by country.
What is a realistic ETH staking rate?
Roughly 3% APR in 2026, before any provider fee. Liquid staking providers typically take 10% of rewards.
This calculator is for information only and is not financial, tax or investment advice. Results depend on the inputs you enter and on market data that can be delayed. Ownership and conflict disclosure.