The free staking calculator projects staking rewards in tokens and dollars from a reward rate, a restaking schedule and the commission your provider keeps. On load, 32 tokens at a 3.5% APR, restaked daily with a 10% commission, earn 5.45833 tokens in five years, worth $16,374.99 at $3,000 a token.
Rewards earned (tokens)
5.45833
32 tokens at 3.5% for 5 years earn 5.45833 tokens, worth $16,374.99.
Informational only, not financial advice.
- Rewards earned (tokens)
- 5.45833
- Total tokens
- 37.45833
- Value of the rewards
- $16,374.99
- Total value
- $112,374.99
- Yield after commission (APY)
- 3.200%
- Commission paid (tokens)
- 0.661229
- Rewards per day, first year
- 0.002805 tokens, $8.42
- Rewards per week, first year
- 0.019638 tokens, $58.92
- Rewards per month, first year
- 0.085333 tokens, $256.00
Saved scenarios
Saved in this browser only. Each column is recalculated whenever the page loads.
Year by year
| Year | Rewards (tokens) | Total tokens | Value |
|---|
How this is calculated
- How it works
- Rewards compound at the restaking frequency, at the reward rate less commission. An APY is first converted back to its nominal rate at that frequency. Real rewards move with network participation, validator uptime and penalties; the rate here is your assumption, held constant. The Ethereum button reads the 7-day average stETH APR from the Lido Ethereum staking API (opens in new window), Lido's own figure for its pool after its fee, and sets the commission to 0 so the fee is not taken twice; enter your own provider's commission if you stake elsewhere. The Solana button reads the 30-day mSOL APY from the Marinade API (mSOL APY) (opens in new window), the pool's own figure after its fee, worked from the change in mSOL's price over 30 days, sets Rate is to APY so the compounding already in the figure is not added again, and sets the commission to 0 the same way. Both are read once a day at the edge and dated; neither is a forecast.
- Not covered
- No slashing, lockup or unbonding period, transaction fees or taxes; the reward rate stays fixed.
- Privacy
- Your numbers never reach our server. The math runs on your device, inside this page.
- Corrections
- Report an error in the math to media@coinlaw.io; every report is reviewed and confirmed errors are corrected. Include the inputs and the answer you expected. With your permission, we thank you by name on this page.
- Updates
- Buttons fill the reward rate with a published staking figure for Ethereum (Lido's 7-day stETH APR) and Solana (Marinade's 30-day mSOL APY), each dated and after the pool's fee.
- The Ethereum and Solana buttons now fill the rate when tapped, and the Solana button sets the rate type to APY, as Marinade publishes it.
- Live price buttons added beside the price field.
- Feedback
- How useful was this tool?
Table of Contents
How to Use the Staking Calculator
Eight inputs drive the staking calculator. The reward rate sets the token count: it is your assumption, and the tool holds it constant for every year. Everything runs in your browser, and nothing you enter reaches our server.
- Enter the coins you hold in “Tokens staked” and today’s price per coin in “Token price”.
- Type the quoted rate into “Reward rate” without the percent sign.
- Set “Rate is” to match the quote: “APR (before compounding)” for a stated rate, “APY (compounding included)” for a yield.
- Choose “Restaking”: “Daily”, “Weekly”, “Monthly” or “Never (rewards not restaked)”. Here restaking means adding rewards back to your own stake, not restaking protocols that reuse staked ETH.
- Put your provider’s cut in “Commission on rewards”. The field’s own note asks for the provider’s figure, not a typical one.
- Set “Years” (up to 50) and, to test a price move, “Price change per year”. A negative number models a falling price.
A default of 32 tokens mirrors one Ethereum validator. The Ethereum proof of stake documentation says a user must deposit 32 ETH into the deposit contract to become a validator. Because the tool counts tokens rather than ETH, the same inputs fit any proof-of-stake coin.
Commission terms differ by provider. According to the SEC’s Division of Corporation Finance staff statement on protocol staking, a node operator does not guarantee or otherwise set or fix the amount of the rewards owed to Covered Crypto Asset owners. It may subtract from such amount its fees (whether fixed or a percentage of such amount). Because the field takes a percentage, convert a flat fee before entering it.
Results open with “Rewards earned (tokens)”, then “Total tokens”, “Value of the rewards”, “Total value”, “Yield after commission (APY)” and “Commission paid (tokens)”. Below sit the chart “Staked tokens and rewards by year” and the table “Year by year”. Three “Examples” chips load the opening run, “Not restaked” and a falling-price case. “Copy all details”, “Share result” and “Download CSV” export a run, and “Save scenario” keeps it in this browser only.
How Staking Rewards Are Calculated
The calculator takes the commission off the reward rate and compounds what is left at the restaking frequency. It then prices the result once, at the end.
In symbols, with n restaking periods a year (365, 52 or 12) and t years:
- Net rate = reward rate × (1 – commission).
- Total tokens = tokens staked × (1 + net rate ÷ n)^(n × t).
- With “Never (rewards not restaked)”, total tokens = tokens staked × (1 + net rate × t), a flat yearly reward on the original stake.
- Rewards earned = total tokens – tokens staked.
- End price = token price × (1 + price change)^t, and both dollar outputs multiply by it.
- Yield after commission (APY) = (1 + net rate ÷ n)^n – 1.
- Commission paid = tokens staked × (1 + reward rate ÷ n)^(n × t) – total tokens.
US deposit rules define the APR and APY distinction. Regulation DD defines annual percentage yield as a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period. That section also defines the interest rate as the annual rate of interest paid on an account which does not reflect compounding. A staking APR is an interest rate in that sense, and an APY is a yield.
That’s why an APY needs one step before anything else happens. So the tool turns it back into the nominal rate (the stated rate before compounding) at your restaking frequency, n × ((1 + APY)^(1 ÷ n) – 1), and only then takes off the commission. The compounding itself follows the general formula in Appendix A of Regulation DD, APY=100 [(1+Interest/Principal) (365/Days in term) −1], run over several years instead of one.
Commission comes off the rewards, not the stake. Solana’s staking documentation describes the mechanism: Each time rewards are issued, the commission is deposited in the validator’s account and the remaining rewards are deposited in all of the stake accounts that are delegated to that validator. Multiplying the rate by one minus the commission is the same cut, applied at every restaking period.
Staking Rewards Example: 32 Tokens at 3.5% for 5 Years
The crypto staking calculator opens on its default preset, and the steps below reproduce each of its six outputs. Its inputs are 32 “Tokens staked”, a $3,000 “Token price”, a 3.5% “Reward rate” as an APR, “Daily” restaking, a 10% “Commission on rewards”, 5 “Years” and no price change. $96,000 is the stake’s value on day one.
- Net rate: 3.5% × 0.9 = 3.15%.
- Daily rate: 0.0315 ÷ 365 = 0.0000863014.
- Growth factor: one plus the daily rate, raised to the 1,825th power (365 × 5), is 1.1705728.
- “Total tokens”: 32 × 1.1705728 = 37.45833, so “Rewards earned (tokens)” is 5.45833.
- “Value of the rewards”: 5.45833 × $3,000 = $16,374.99; “Total value” is $112,374.99.
- “Yield after commission (APY)”: one year of daily growth at the net rate is 3.200%.
- “Commission paid (tokens)”: at the full 3.5% the stake would reach 38.119559 tokens, so the commission costs 0.661229.
What the Staking Calculator Result Means
Every result is a projection of one constant rate, not a forecast of what a network will pay. It answers a narrow question: if this rate, this commission and this restaking schedule held for every year, how many tokens would you end with, and what would they be worth at one assumed price?
The Ethereum and Solana buttons fill the reward rate with one large staking pool’s published yield: Lido’s for Ethereum and Marinade’s for Solana, each after that pool’s fee. Because the fee is already taken out, the buttons set “Commission on rewards” to zero. A direct stake with a validator earns the network’s own rate before that validator’s commission, so enter both yourself instead.
Why Commission Paid Is Larger Than the Commission
“Commission paid (tokens)” is the gap between your stake and the same stake with no commission, so it counts the rewards the commission would have earned had it stayed staked. On the default run, the commission actually taken from each payout adds up to 0.606481 tokens. The other 0.054748 is compounding that never happened.
A commission-free stake would earn 6.119559 tokens, and the reported cost is 10.8% of that, not 10%. With restaking on, the longer the stake runs, the more a commission costs beyond its quoted percentage; with “Never (rewards not restaked)” it stays at the quoted share.
One Price for Every Reward
Both dollar outputs use one price, the price at the end of the period. Load the falling-price preset, which cuts the price by 20% a year, and the token count stays at 37.45833. Meanwhile “Total value” drops to $36,823.04, against $96,000 at the start.
Those rewards are then worth $5,365.76. Rewards add tokens; they don’t protect the dollar value of the stake. How far quoted rates move from network to network shows in the staking yields tracked across networks.
Common Mistakes With Staking Rates
- Entering an APY with “Rate is” set to APR. A 3.5% APY restaked daily is a 3.4403% nominal rate, and read correctly it earns 5.35785 tokens, 0.10048 fewer than the APR reading.
- Entering a rate a provider already quotes net of its fee, then entering the commission again. That takes the cut off twice.
- Choosing “APY (compounding included)” with “Never (rewards not restaked)”. With no restaking there is no frequency to convert at, so the tool applies the rate as entered, as a flat yearly reward.
- Reading “Yield after commission (APY)” as a promise. It restates your own rate after the commission and the compounding you chose.
How Ethereum and Solana Pay Out Staking Rewards
The “Restaking” setting should match what actually happens to rewards, and on two large networks the official documentation says what that is. Since the tool cannot know your setup, this table maps each documented mechanism to the closest option.
| Setup | What the network’s documentation says | Closest “Restaking” option |
|---|---|---|
| Ethereum validator, 0x01 credentials | Balance above 32 ETH is swept to the withdrawal address | “Never (rewards not restaked)” |
| Ethereum validator, 0x02 credentials | Rewards above 32 ETH compound in 1 ETH increments | Between “Never (rewards not restaked)” and “Daily” |
| Solana delegated stake | Rewards issued each epoch and re-delegated as active stake | “Daily” |
Source: ethereum.org withdrawal credentials documentation; Solana staking documentation; the tool’s “Restaking” options
A validator’s withdrawal credentials set where its withdrawals go, and the Ethereum withdrawal credentials documentation is specific about rewards. With 0x01 credentials, Any balance above 32 ETH is automatically swept to your withdrawal address, so rewards earn nothing further unless you stake them again yourself. With 0x02 credentials, Rewards above 32 ETH compound in 1 ETH increments up to a maximum effective balance of 2048 ETH.
With the pinned inputs, “Never (rewards not restaked)” gives 5.04 tokens and “Daily” gives 5.45833, a gap of 0.41833 tokens over five years. A 0x02 validator lands between the two, because its balance grows in whole-ETH steps rather than every day. More on validator counts and yields is in the ETH staking data.
Solana works closer to daily compounding. Its documentation says: Rewards are issued once per epoch and are deposited into the stake account that earned them. Stake rewards are automatically re-delegated as active stake. It adds that An epoch is approximately 2 days long.
“Daily” therefore runs slightly ahead of a native Solana stake, a small gap next to the rate itself. Network-level figures are in the Solana statistics.
Pools and exchanges pay on their own schedules and terms, which the tool cannot read. Use the setting that matches the provider’s stated payout.
Can you lose crypto by staking it?
Yes. Penalties and slashing can shrink the staked balance itself, and the staking calculator models none of them.
On Ethereum, a validator that misses votes loses what it would have earned. The Ethereum rewards and penalties documentation puts it this way: The penalties for missing the target and source votes are equal to the rewards the attestor would have received had they submitted them. Slashing goes further. Ethereum’s documentation says the slashed amount can be minor (less than 0.1% stake for a single validator slashed on their own) or can result in 100% of the validator’s stake getting destroyed (mass slashing event).
The SEC staff statement makes the same point across networks: The minimum staking or lock-up period varies among PoS protocols. It adds that a node operator or validator may have its staked Covered Crypto Assets forfeited or “slashed” if it engages in such detrimental activities or fails to adhere to the PoS Network’s technical requirements.
The rate isn’t fixed either. On Solana, Returns/yield for staked tokens is based on the current inflation rate, total number of SOL staked on the network, and an individual validator’s uptime and commission (fee). Pools and liquid staking tokens add their own layer of risk; the difference between liquid staking and traditional staking explains it.
Are staking rewards taxed?
In the US, yes: the IRS treats staking rewards as income once you gain dominion and control over them. Revenue Ruling 2023-14 holds that the fair market value of the validation rewards received is included in the taxpayer’s gross income in the taxable year in which the taxpayer gains dominion and control over the validation rewards.
In the ruling’s example, the staker gains that control through A’s ability, as of this date, to sell, exchange, or otherwise dispose of the 2 units of M received as validation rewards. The value is fixed at that moment: The fair market value is determined as of the date and time the taxpayer gains dominion and control over the validation rewards.
The IRS digital assets page adds where it goes: To report income from forks, staking, mining, etc., use Form 1040 (Schedule 1). None of this is in the calculator. On the default run, all 5.45833 reward tokens are valued at $3,000, the last-day price, so treat “Value of the rewards” as a value estimate, not an income figure.
Good to Know Before You Use It
The staking calculator runs in your browser, and nothing you enter reaches our server; “Save scenario” stores runs in this browser only. It assumes one reward rate for the whole period, one commission, a fixed restaking schedule and one price path.
The method takes the commission off the rate, compounds the net rate at the restaking frequency (or applies it flat with “Never”), converts an APY back to its nominal rate before that, and prices tokens at the end. Outside it sit slashing, penalties, lockup and unbonding periods, transaction fees, taxes and any change in the rate.
CoinLaw publishes this page for information and gives no financial advice; the network’s documentation and your provider’s terms govern what a stake pays.
Conclusion
At the defaults, 32 tokens at a 3.5% APR with a 10% commission earn 5.45833 tokens in five years, worth $16,374.99 at an unchanged price. Now run the “Not restaked” preset against it. Then enter your provider’s own commission and a falling price, and watch which input moves the answer most. To see how much staked capital now sits in pools and restaking protocols, read the liquid staking and restaking adoption data.
