Home/Staking Calculator
WHAT IS STAKING?

Staking Calculator Passive Income

Calculate how much you can earn by staking cryptocurrencies. Compare APY rates, see daily, monthly, and yearly returns with compound interest.

Popular staking options

CoinAPY %Lock
ETHEthereum3.5%None
SOLSolana6.5%2-3 days unstake
DOTPolkadot12.0%28 days
ADACardano3.0%None
ATOMCosmos14.0%21 days
AVAXAvalanche7.0%14 days
NEARNEAR Protocol10.0%2-3 days
MATICPolygon5.0%3-4 days

Start staking today

Both Bybit and OKX offer staking with competitive APY and flexible terms.

Stake on Bybit · Up to $30,000 bonus → Stake on OKX · 300+ coins →
KO
Koinly · Crypto Taxes
20+ countries · 800+ integrations
Try Free →

What is staking?

Staking is locking up your crypto to support a blockchain network in exchange for rewards. Most APY rates shown are variable and change based on network conditions. Some staking has lock-up periods (you can't withdraw immediately). Bybit and OKX offer both flexible (no lock-up) and fixed-term staking with higher APY.

FAQ

Is staking safe?
Staking on major exchanges (Bybit, OKX, Binance) is relatively safe — your funds remain custodied by the exchange. Decentralized staking has slashing risks if validators misbehave. APY rates are not guaranteed and can change.
Do I lose access to my coins while staking?
Depends on the type. Flexible staking lets you withdraw anytime but offers lower APY (3-5%). Fixed-term staking locks your coins for 30-180 days but pays higher APY (5-15%).
Are staking rewards taxed?
In most countries, yes. Staking rewards are typically treated as income at the time received. Consult a tax advisor for your jurisdiction.
Which coin offers the best staking APY?
APY rates change frequently. As of 2026, Polkadot (DOT), Solana (SOL), and Cosmos (ATOM) typically offer 5-12% APY. Ethereum (ETH) offers 3-5%. Higher APY usually means more risk or longer lock-up.

How Staking Rewards Are Calculated

Staking rewards are quoted as APY (annual percentage yield) or APR (annual percentage rate), and the difference matters. APR is the simple annual rate; APY includes the effect of compounding, where your rewards are restaked to earn further rewards. An APR of 10% compounded daily produces an APY closer to 10.5%. When comparing staking offers, always compare like for like — an exchange quoting APY will look more attractive than one quoting APR even if the underlying rate is identical.

The headline rate is also almost always variable. Staking yields move with network conditions: the total amount staked, transaction activity, and protocol inflation schedules all push the rate up or down. A 12% APY today can drift to 6% within months as more participants stake the same asset. Treat quoted rates as a current snapshot, not a guaranteed return.

Flexible vs Fixed-Term vs Liquid Staking

There are three broad models, each with a different trade-off between yield and access:

The Risks Most People Overlook

Beyond the slashing risk in decentralized staking, the bigger practical risks for most users are simpler. Lock-up illiquidity means that if the market crashes while your coins are locked in a fixed term, you cannot sell — the yield rarely compensates for a 30% price drop you couldn't avoid. Token price risk dominates the return: earning 10% APY on an asset that falls 40% is still a large loss in dollar terms. And inflation in some networks means high nominal staking yields are partly offset by the token supply expanding, diluting holders who don't stake.

Staking FAQ

Is the APY on staking guaranteed?
No. Staking yields are almost always variable and change with network conditions — the amount staked, activity, and inflation schedules. A rate quoted today can fall significantly within months. Treat it as a current snapshot, and never assume the headline number will hold for a full year.
Does staking protect me from price drops?
No, and this is the most common misunderstanding. Staking earns you more of the token, but if the token's price falls, your dollar value can still drop sharply. Earning 10% APY on an asset that loses 40% leaves you well down overall. Staking yield and price risk are completely separate.
Should I use flexible or fixed-term staking?
Flexible if you might need the funds or want to react to price moves — you trade some yield for the ability to withdraw anytime. Fixed-term if you're confident holding through the lock period and want the higher rate. Never lock funds you might need, since you can't sell during a crash while they're locked.