How much does Cosmos staking pay?

Typical native staking pays about 15.0% APR, which is 16.18% APY with daily compounding. 1,000 ATOM staked for five years grows to about 2,117 ATOM at that rate.

How long does it take to unstake ATOM?

21 days. During unbonding you earn no rewards and cannot sell.

Does the calculator include price changes?

No. It counts tokens. Enter a price to see a USD figure at today's price, but remember the token price will move far more than the reward rate.

ATOM · about 15.0% APR · 21 day unbonding

Cosmos staking calculator

At a typical 15.0% APR compounded daily, 1,000 ATOM becomes about 2,117 ATOM in five years. High nominal rate offset by inflation. 21 day unbonding.

Ethereum Solana Cardano Polkadot Avalanche Cosmos Polygon NEAR Sui Celestia

Asset

High nominal rate offset by inflation. 21 day unbonding.

Amount staked (ATOM)

Reward rate (APR)

Typical for Cosmos: 15%. Check your validator or exchange.

Years

Compounding

Add monthly (ATOM)

ATOM price (optional)

Shows USD values. Assumes a flat price, which is the one thing crypto never does.

Balance after 5y

21.167

ATOM

Rewards earned

11.167

ATOM

Effective APY

16.18%

daily compounding

Unbonding

21 days

to withdraw

Year	Balance	Rewards
1	11.618	+1.618
2	13.498	+3.498
3	15.682	+5.682
4	18.219	+8.219
5	21.167	+11.167

1,000 ATOM staked at 15.0% APR

1 year

1,161.8 ATOM

+161.8 rewards

3 years

1,568.2 ATOM

+568.2 rewards

5 years

2,116.7 ATOM

+1,116.7 rewards

10 years

4,480.3 ATOM

+3,480.3 rewards

What moves the Cosmos rate

Staking rewards come from new token issuance plus a share of network fees, divided among everyone staking. When more of the supply is staked, each staker gets a smaller slice. The rate you are quoted today is not a promise for next year.

Native, liquid, or exchange staking

Native delegation pays the full rate minus a validator commission, typically 5 to 10%. Liquid staking wraps your stake in a tradable token so you skip the unbonding wait. Exchange staking is the simplest but keeps 10 to 25% of the rewards and custody of your coins.

Frequently asked questions

How much does Cosmos staking pay?: Typical native staking pays about 15.0% APR, which is 16.18% APY with daily compounding. 1,000 ATOM staked for five years grows to about 2,117 ATOM at that rate.
How long does it take to unstake ATOM?: 21 days. During unbonding you earn no rewards and cannot sell.
What do I need to stake Cosmos?: High nominal rate offset by inflation. 21 day unbonding.
Does the calculator include price changes?: No. It counts tokens. Enter a price to see a USD figure at today's price, but remember the token price will move far more than the reward rate.