What is the difference between APR and APY?

APR is the simple annual rate before compounding. APY is the effective rate once rewards are reinvested. The more often rewards compound, the higher the APY rises above the APR. A 10 percent APR compounded daily becomes about a 10.52 percent APY.

How is APY calculated from APR?

APY equals (1 plus APR divided by n) raised to the power n, minus 1, where n is the number of compounding periods per year. Daily compounding uses n equal to 365, monthly uses 12. The final balance grows geometrically, not linearly, with each period.

Does the calculator account for token price changes?

Yes, optionally. You can enter the current token price and an expected percentage change. The tool reports both the token quantity earned (which is unaffected by price) and the USD value, which depends on the price you assume at the end of the term.

Why does my final balance differ from APR times principal?

Simple APR times principal ignores compounding and assumes a full year. This tool compounds each period and pro-rates the result to your actual staking days, so a shorter term earns less and frequent compounding earns slightly more than the headline APR suggests.

Are staking rewards guaranteed?

No. Advertised APRs fluctuate with network participation, and token prices are volatile. A high nominal yield can be wiped out by a falling token price. Always model a downside price scenario, and remember that lock-ups can prevent you from exiting during a decline.

Crypto Staking APY Calculator

Crypto protocols advertise APR, but what you actually earn depends on how often rewards compound and how long you stake — and your real-world outcome depends on the token price too. This calculator converts a nominal APR into an effective APY, applies your chosen compounding frequency over your actual lock-up period, and optionally folds in a token price change to show the USD result.

How it works

Compounding turns a simple rate into a geometric one, and the term pro-rates it:

n = compounding periods per year (daily 365, weekly 52, monthly 12, annual 1)
APY = (1 + APR/n)^n − 1
periods over term = n × (days / 365)
final balance = principal × (1 + APR/n)^(periods over term)
tokens earned = final balance − principal
USD value     = final balance × token price × (1 + price change)

The token quantity you earn is independent of price; only the USD figure moves with your price assumption. Compounding more frequently lifts the effective yield above the headline APR, but the effect is small at typical rates.

Example and tips

Staking 1,000 tokens at a 10 percent APR compounded daily for a full year yields about 110.5 tokens, an effective APY of 10.52 percent versus the 10 percent nominal rate. Over a 90-day lock-up the same position earns roughly 25 tokens. Always stress-test the price: a 10 percent yield in tokens means little if the token loses 30 percent of its value, and lock-ups can trap you through exactly that kind of decline. Treat advertised APRs as variable, not fixed.