This calculator estimates what you will actually earn from staking crypto after your platform takes its cut. Enter the amount you plan to stake, the advertised APR, and the commission your platform charges — it returns your net rewards, your final balance, and the effective APY you are really being paid.
Crypto Staking Calculator
Most staking calculators show you gross rewards. This one subtracts the commission your platform keeps, so you see what actually lands in your wallet.
Assumptions: the calculator holds APR and token price constant, and applies commission to rewards as they accrue — which is how Coinbase, Kraken and Lido all charge it. Real staking yields move with network activity and validator performance, and a falling token price can erase rewards entirely. Figures are estimates for comparison, not a forecast, and nothing here is investment or tax advice.
How to use it
Three of the five inputs are straightforward. The amount is what you are staking, in dollars. The gross APR is the headline rate the platform advertises, before any deduction. The time is how long you expect to stay staked.
The two that trip people up are commission and compounding. Commission is the share of your rewards the platform keeps — not a fee on your principal, and usually not a number displayed anywhere near the advertised APY. The preset buttons load the real published rates for the major platforms, so you can switch between them and watch the net figure move. Compounding is how often rewards are added back to your staked balance. Liquid staking tokens such as stETH accrue continuously, so daily is the closest approximation; most exchange programs pay on a fixed schedule, typically daily or weekly.
Why the commission matters more than the APY you are quoted
Two platforms advertising the same 3.4% APR do not pay you the same thing. The gap between them is the commission, and it is large enough to swamp the differences people usually shop on.
Stake $10,000 at 3.4% for three years and the underlying validators generate about $1,072 in rewards. On Lido, which takes 10%, you keep roughly $960. On Coinbase, which takes 35%, you keep about $685 — the platform keeps $387 of rewards your capital earned. Same asset, same network, same three years. The difference is entirely the cut.
This is also why comparing advertised APYs across custodial and non-custodial platforms is misleading. Some exchanges quote the rate net of their commission and some quote it gross, and the disclosure is rarely on the same page as the number. Running both through the same calculator on a gross basis is the only reliable way to compare them. Our breakdown of the best crypto staking platforms lists each platform’s published commission alongside its custody model and lockup terms.
What this calculator does not model
It holds two things constant that are not constant in reality: the APR, and the price of the token you are staking.
Staking yields move with network activity and validator performance. Ethereum’s staking rate has drifted down as more ETH has been staked, and Solana’s moves with network inflation and transaction volume. A rate you lock into your planning today is a snapshot, not a promise.
Token price is the larger omission, and the one that actually loses people money. A 3.4% yield on an asset that falls 40% is a 40% loss with a rounding error attached. Staking rewards are denominated in the token, so the dollar value of everything this calculator outputs moves with the market. Treat the percentages as the accurate part and the dollar figures as conditional on the price holding.
It also does not model slashing (validator penalties for downtime or misbehaviour, rare but real on proof-of-stake networks), gas costs to enter and exit a position, unbonding periods during which your capital is locked and still exposed to price movement, or tax. Staking rewards are generally taxable as income at the point you receive them in most jurisdictions, which can meaningfully change the net figure. That is a question for an accountant, not a calculator.
Frequently asked questions
How much can I earn staking $1,000 in crypto?
At a 4% gross APR with a 10% platform commission, $1,000 staked returns roughly $36 in the first year, or about $190 over five years with monthly compounding. On a platform taking 35%, the same $1,000 returns about $26 in year one. The amount scales linearly, so the percentages hold at any size.
Is APR or APY the right number to use for staking?
APR is the simple annual rate before compounding; APY includes the effect of rewards earning further rewards. Enter the APR and set the compounding frequency separately, because that is how platforms publish their rates. If a platform quotes only an APY, it has already priced compounding in, and entering it as an APR will slightly overstate your return.
Does the platform commission come out of my principal or my rewards?
Rewards only. Coinbase, Kraken and Lido all take their commission as a percentage of the staking rewards generated, not of the amount you staked. Your principal is not reduced by the commission, though it can still fall in dollar terms if the token price drops, and it can be reduced by slashing penalties on some networks.
Why is my effective APY lower than the APR I entered?
Because commission is deducted from rewards as they accrue, which reduces both what you receive and what compounds. On a 3.4% APR with monthly compounding, a 10% commission produces an effective net APY of about 3.1%, and a 35% commission produces about 2.2%. Compounding works in your favour and commission works against it.
Is staking crypto safe?
Staking carries several distinct risks. Custodial platforms expose you to the solvency and security of the company holding your assets. Non-custodial protocols expose you to smart contract risk and to your own key management. Proof-of-stake networks can impose slashing penalties. And every staked position carries price risk on the underlying token, which is usually the largest exposure by a wide margin. Nothing here is investment advice.