Staking Rewards Calculator
What a headline staking rate is worth after commission, restaking and issuance.
What each deduction costs
The headline rate of 8.00 % as it passes through commission, restaking and issuance.
| Stage | Rate |
|---|---|
| Network reward rate | 8.00 % |
| After validator commission | 7.60 % |
| After restaking | 7.90 % |
| After token issuance | 7.90 % |
How it works
A staking rate is quoted before everything that reduces it. The validator takes a share of the rewards, the chain decides whether those rewards compound or sit idle until claimed, and new issuance dilutes every holder — including you. This calculator applies the three in that order, from numbers you enter yourself.
The one that gets missed is issuance. If a network mints 8% new supply a year and pays stakers 8%, staking has bought you nothing but a defence: your share of the network is flat, while everyone who did not stake lost 7.4% of theirs. Real yield is the only figure that answers whether staking is worth the lock-up.
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How the Staking Rewards Calculator works
A crypto staking calculator has one job worth doing: showing what is left of an advertised rate after the deductions nobody advertises. Enter the amount staked, the network's reward rate, the validator's commission, how often rewards are restaked and how long the stake is locked on exit, and this one returns the rewards earned, the effective APY, what the validator keeps, and the real yield after new issuance.
It computes from parameters you type rather than publishing a table of network rates. That is a deliberate limit: a staking rate moves with how much of the supply is staked and with the chain's issuance schedule, so any figure printed here would be stale before it was read. Take the current numbers from the chain or the validator, put them in, and the arithmetic is the honest part.
The three deductions between the headline and your wallet
The quoted rate is gross. The validator takes a commission from the rewards — not from your stake, which is why a 5% commission on a 10% rate costs you half a percentage point rather than five. Then the restaking schedule decides whether those rewards earn anything themselves. Then issuance dilutes every token holder, staker and non-staker alike.
They apply in that order and they do not commute. Commission compounds along with everything else: over a year at a daily schedule the validator's 5% cut costs slightly more than 5% of the simple reward, because the rewards it took would themselves have been restaked. The table under the calculator shows the rate at each of the four stages so the gap is visible rather than inferred.
Real yield, and why it is the number that matters
If a network mints 8% new supply a year and pays stakers 8%, staking earned you nothing. Your token balance grew, but so did everyone's denominator: your share of the network is exactly where it started. What staking bought you was a defence — the holders who did not stake lost 7.4% of their share to the same issuance.
This is the Fisher relation applied to token supply: real yield = (1 + APY) ÷ (1 + issuance) − 1. It is the only figure that answers whether the lock-up was worth accepting, and it is the one no staking dashboard shows. On a chain that burns more than it mints, net issuance is negative and the relation runs the other way, lifting the real yield above the nominal one.
Restaking is not automatic
Chains differ on this and the difference is worth several percentage points at high rates. Some credit rewards straight to the stake, compounding every epoch without you. Others pay to a separate rewards balance that earns nothing until you claim it and stake it again by hand — that is simple interest, and the 'Not restaked' option is the correct setting for it.
Manual restaking is not free either: each claim costs a transaction fee, and on some chains it restarts a lock. Compounding daily is only worth doing if the reward on a day's balance exceeds the fee to move it. At small stakes, quarterly is often the better schedule. The APR to APY converter shows how much the schedule is worth on its own before you decide.
What the unbonding period costs
Unbonding is unpaid time. When you request an exit, most proof-of-stake chains stop paying rewards immediately and release the tokens days or weeks later — 21 days on several major networks, 27 on others. The stake earns nothing throughout and cannot be sold, whatever the price does.
The calculator annualises the same reward over the staking period plus the unbonding window, which is what turns the delay into a number. A 10% APY earned over 30 days becomes about 5.6% once a 28-day exit is included; over a full year the same delay costs well under a percentage point. The shorter the stake, the more the exit dominates it.
Risks the arithmetic does not price
Slashing is the obvious one: a validator that double-signs or stays offline can cost a share of the stake outright. It is an event, not a rate, so it does not belong in an APY — but it is the reason a validator's history matters more than the fraction of a point separating its commission from the next one's.
The larger risk is usually price. A 12% yield on a token that falls 40% is a loss, and the unbonding period is precisely the window in which you cannot act on that. The reward figures here are denominated in tokens for that reason; the currency values appear only if you enter a price, and they hold only at that price.
FAQ
What is a realistic staking yield?
It depends entirely on the chain and moves constantly — headline rates across major proof-of-stake networks have ranged from low single digits to well over 20%, and the higher ones usually come with issuance to match. Take the current rate from the chain's own explorer or your validator's page rather than from any calculator, this one included.
Does the validator's commission come out of my stake?
No. It is a share of the rewards, so it never reduces the principal. A 10% commission on a 6% network rate leaves you 5.4%, not 6% minus 10% of the stake. That is also why a low commission on a validator with poor uptime can pay less than a higher commission on a reliable one.
Is APR or APY the right way to read a staking quote?
Whichever matches the payout mechanism. If rewards compound into the stake automatically, APY describes it. If they accumulate for manual claiming, the APR is what you actually get until you restake. Platforms quote whichever is larger, so check the mechanism before comparing two offers — the APR/APY converter puts them on the same footing.
How does staking compare with providing liquidity?
Staking pays for securing the chain and its main hazards are slashing, lock-up and price. A liquidity pool pays trading fees and carries impermanent loss instead, which is a cost that grows with divergence between the two assets. They are different risks, and comparing their APYs alone compares nothing.
Does this calculator use live network rates?
No, and deliberately so. Every figure comes from what you enter. Staking rates depend on the share of supply staked and on issuance schedules that change; a dated table here would be wrong more often than right, so the tool computes rather than reports.
Can I stake and trade the same capital?
Not the same tokens — staked tokens are locked, and the unbonding period means they stay locked after you decide otherwise. Liquid staking derivatives exist to work around this, but they add a smart-contract layer and can trade below the underlying, which is its own exposure and not something a reward rate captures.