Crypto staking calculator
Estimate the rewards from staking crypto. Enter how much you stake, the advertised APR, how long you stake for, and whether rewards are restaked, and the calculator shows your projected rewards and final balance in coin units and Australian dollars, plus the effective APY once compounding is included. No signup.
Calculator
- Final balance: 0 coins
- Effective APY: 0%
- Rewards value: enter a price
- Final value: enter a price
APR vs APY
The reward rate is usually quoted as an annual percentage. The key distinction:
- APR is the simple annual rate. If rewards are paid out to you and not restaked, you earn the APR in a straight line.
- APY is the effective yield once rewards are restaked and compound. Each batch of rewards starts earning its own rewards, so the APY is a little higher than the APR, and higher the more often it compounds.
This calculator shows the APY implied by your APR and compounding choice, so you can compare a "paid out" arrangement against a "restaked" one fairly. Learn the mechanics in the what is staking guide.
Popular Australian crypto exchanges
All three are AUSTRAC-registered Australian exchanges. Crypto is volatile; only invest what you can afford to lose.
Staking rewards and tax
In Australia, the ATO generally treats staking rewards as ordinary income at their AUD value when you receive them, with a separate capital gains tax event when you later sell. So rewards can be taxable even before you cash out. This calculator estimates the rewards; for the tax, see the staking tax guide and the broader crypto tax guide. Staking also carries real risk, including price falls, lock-up periods and slashing; a high yield often signals high risk.
Frequently asked questions
Staking rewards are based on the amount you stake and the reward rate, usually quoted as an annual percentage. If rewards are paid out and not restaked, you earn the APR in a straight line: stake 1,000 dollars of a coin at 5 percent for a year and you earn about 50 dollars. If rewards are restaked, they compound, so you earn rewards on your rewards and the effective yield (APY) is a little higher than the headline APR. This calculator handles both cases.
APR is the simple annual reward rate before compounding. APY is the effective annual yield once rewards are restaked and compound over the year. If a protocol pays 10 percent APR and you restake daily, your APY is about 10.5 percent, because each day's rewards start earning too. The more frequently rewards compound, the larger the gap. Many platforms advertise APY; this calculator shows the APY implied by your APR and compounding choice.
No. Staking carries real risks: the price of the staked coin can fall far more than any reward you earn, some networks can penalise validators (slashing), funds may be locked for an unstaking period during which you cannot sell, and platform or smart-contract failure can cause losses. A high advertised yield often signals higher risk. Treat the reward as compensation for these risks, not free money, and only stake what you can afford to lose.
Generally yes. The ATO usually treats staking rewards as ordinary income at their market value in Australian dollars at the time you receive them, so they are assessable in that financial year. Later, when you sell the rewarded coins, any change in value is a separate capital gains tax event. This is different from simply holding, and it means you can owe income tax on rewards even if you never convert them to cash. See the staking tax guide and speak to a registered tax agent.
It gives a clean projection from the inputs you provide, which is accurate for a fixed APR. Real staking returns vary because reward rates change over time, network conditions shift, fees and commissions apply on many platforms, and the coin price moves constantly. Treat the output as an estimate based on a steady rate, not a guaranteed return. For the AUD figures, the result is only as current as the price you enter.
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