Free tool
Crypto Staking & Compound Interest Calculator
Project the future value of a staked or earn position by compounding its APY over your chosen term. Toggle the compounding frequency (annual, monthly, weekly, daily) to see how the effective APY shifts vs the stated APR — that gap matters once principal and term get large enough.
Staking and earn products quote rates differently across venues: Binance Earn might quote APY, a DeFi protocol might quote APR, and a CeFi product might use a third term entirely. This crypto staking calculator handles all three by letting you set the rate AND the compounding frequency explicitly — APY at daily compounding for a Binance Simple Earn position, APR at annual compounding for a comparison baseline, anything in between.
APYs vary; staking can involve lock-ups and slashing risk. This is a projection assuming a fixed rate.
Future value
$1,162
+$161.82 in rewards
- Principal
- $1,000
- Effective APY (with compounding)
- +5.13%
- Stated APR
- +5.00%
Future value = principal × (1 + APY ÷ n)^(n × years). Effective APY > stated APR means the compounding gap.
How it's calculated
Future value = principal × (1 + APY ÷ n)^(n × years), where n is the number of compounding periods per year. Total rewards = future value − principal. The calculator surfaces the effective APY for the chosen compounding frequency, which is what you'd actually realise. The stated APR you see on a marketing page is usually the simple annual rate without compounding — useful for comparison, not for projecting actual returns.
This crypto compound interest calculator works for any asset, not just crypto. The formula is the same standard compound-interest formula used in savings accounts and bond yields; only the typical APY range differs.
Worked example
$1,000 at 5% APY compounded daily for 3 years: $1,000 × (1 + 0.05 ÷ 365)^(365 × 3) ≈ $1,161.83. The same rate compounded yearly: $1,000 × 1.05³ ≈ $1,157.63. Compounding daily adds ~$4 over three years vs annual — small at small principal, meaningful at scale.
Larger example: $100,000 at 7% APY compounded daily for 10 years grows to ~$201,375; the same rate compounded yearly yields $196,715. That's a ~$4,660 spread, which is fully attributable to the compounding-frequency difference and tracks the effective APY gap exactly (7.25% effective at daily compounding vs 7.00% at annual).
Crypto Compound Interest Calculator: APR vs APY
APR is the simple annual rate: 5% APR means you earn 5% of your principal per year with no compounding. APY is the effective rate after compounding: 5% APY compounded daily means your rewards earn rewards, ending the year with slightly more than 5% of starting principal. The gap is small at low rates and short terms, large at high rates and long terms. This crypto compound interest calculator surfaces both the stated APR and the effective APY for your chosen compounding frequency so you can compare like-with-like across venues that quote rates inconsistently.
Bitcoin Interest Calculator and stablecoin earn
Bitcoin earn products typically offer lower APYs (1–6%) than altcoin staking or stablecoin yield (5–15%), reflecting the different risk profiles — Bitcoin earn often involves dual-investment or sub-account constraints that affect liquidity, while stablecoin yield comes from DeFi protocols with smart-contract risk. Use the bitcoin interest calculator to project realistic, conservative returns on BTC earn positions and compare them against the alternatives. A 4% APY on 0.5 BTC over 3 years compounded daily ends with about 0.564 BTC — meaningful at the institutional scale, modest at the retail scale.
Staking Calculator: not a guarantee
Staking APYs vary, change frequently, and aren't guaranteed. Lock-up periods can prevent you from exiting if the price moves against you. Some chains slash validators for bad behaviour — your delegated stake can lose value through no fault of yours. This staking calculator assumes a fixed APY across the term, which is fine for projection but not a forecast. Use the result as the upper bound of what your position could earn assuming nothing changes, then haircut for realistic APY drift and any lock-up cost.
FAQ
How do I calculate staking rewards?
Enter your staked amount (principal), the APY, the compounding frequency and the term. The calculator applies compound interest to project your future balance and total rewards earned.
What is the difference between APR and APY?
APR is the simple annual rate with no compounding. APY includes compounding — rewards earning further rewards — so for the same rate, APY produces a higher return. Always compare like-for-like.
How does compounding affect staking returns?
Compounding means your rewards are restaked and earn their own rewards. The more frequently rewards compound, the faster your balance grows over the same period.
Are staking rewards guaranteed?
No. APYs are variable and can change, and some staking involves lock-up periods or slashing risk. The projection assumes a fixed rate, so actual results will differ.
Can Meetcrypt track my real staking income?
Yes. Connect your accounts and Meetcrypt tracks your actual earn and staking rewards alongside the rest of your portfolio.
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Meetcrypt connects to Binance and Bitget with read-only API keys and recomputes profit, ROI, funding, drawdown, and liquidation risk across every account — fee-adjusted, in real time. No spreadsheets, no manual entry.