Staking yield
Crypto staking calculator
Pick an asset, set the reward rate your validator or exchange pays, and see the balance year by year with compounding.
Liquid staking via Lido or Rocket Pool needs no minimum. Solo staking needs 32 ETH.
%
Typical for Ethereum: 3%. Check your validator or exchange.
$
Shows USD values. Assumes a flat price, which is the one thing crypto never does.
Balance after 5y
11.618
ETH
Rewards earned
1.618
ETH
Effective APY
3.05%
daily compounding
Unbonding
7 days
to withdraw
| Year | Balance | Rewards |
|---|---|---|
| 1 | 10.305 | +0.305 |
| 2 | 10.618 | +0.618 |
| 3 | 10.942 | +0.942 |
| 4 | 11.275 | +1.275 |
| 5 | 11.618 | +1.618 |
Typical native staking rates
- Ethereum: about 3.0% APR, 7 day unbonding.
- Solana: about 6.5% APR, 3 day unbonding.
- Cardano: about 2.8% APR, no unbonding.
- Polkadot: about 11.0% APR, 28 day unbonding.
- Avalanche: about 7.0% APR, 14 day unbonding.
- Cosmos: about 15.0% APR, 21 day unbonding.
- Polygon: about 4.0% APR, 3 day unbonding.
- NEAR: about 8.0% APR, 2 day unbonding.
- Sui: about 2.5% APR, 1 day unbonding.
- Celestia: about 10.0% APR, 21 day unbonding.
Rates are typical figures for native delegation and change with network conditions. Treat them as a starting point and overwrite with the rate you are actually offered.
Frequently asked questions
- What is the difference between APR and APY?
- APR is the simple annual rate. APY includes compounding: if rewards are restaked daily, a 5% APR becomes about 5.13% APY. The calculator shows both.
- Are staking rewards guaranteed?
- No. Rates move with how much of the supply is staked and with network inflation schedules. The token price moves far more than the reward rate, which is why the USD column assumes a flat price.
- What is an unbonding period?
- The wait between asking to unstake and having your tokens back. It ranges from none on Cardano to 28 days on Polkadot. You earn nothing and cannot sell during it.
- Is staking on an exchange the same as native staking?
- The reward mechanics are the same but the exchange takes a cut, usually 10 to 25% of rewards, and holds your keys. Native or liquid staking pays more and keeps custody with you.