Project net staking rewards
Example values are illustrative. Replace them with the rate and terms shown by your provider.
How the calculation works
The quoted rate is converted into the selected reward period. Commission is deducted from each reward before it is added to the token balance. When you choose no reinvestment, rewards remain simple rather than earning rewards themselves. The calculator never assumes a live market rate or a guaranteed token price.
Inflation-adjusted yield is a token-supply comparison: the final token balance is divided by cumulative token inflation. It is not an inflation forecast, a dollar-return forecast, or a promise that price will track issuance.
APR and APY are not interchangeable
| Quote | Meaning | Calculator treatment |
|---|---|---|
| APR | Simple annual rate before compounding | Divides APR into the selected reward periods |
| APY | Effective annual yield after its stated compounding | Back-solves the equivalent periodic rate |
| Commission | Provider share of rewards, not of principal | Deducted from each gross reward |
| Token inflation | Change in network token supply | Used only for the real-token-yield comparison |
The price-risk result matters more than the reward
A 5% token yield cannot protect a dollar portfolio from a 30% token-price decline. The chart deliberately puts the unchanged-price value beside downside and upside stress cases. The break-even token price answers a simpler question: after receiving the projected tokens, how low could price fall before the ending dollar value drops below the starting principal?
Staking also involves risks this arithmetic cannot price: validator downtime or slashing, changing protocol issuance, unbonding delays, custody failure, smart-contract risk and tax treatment. Official Ethereum documentation describes proof-of-stake rewards and penalties; Solana documents delegation, activation and deactivation behavior. Terms vary by network and provider.
Current reference point: Ethereum.org displayed a live protocol APR of 2.6%, 40.95 million ETH staked and 33% of ETH supply staked when retrieved on July 23, 2026. Those live figures move and are not used as hidden calculator defaults.
Compare staking math with BeCoin’s bull, base and bear market scenarios for Bitcoin, Ethereum, Solana and 100+ assets.
Use staking in a wider decision process
Start with the crypto profit calculator when you know a buy and sell price, or the compound interest calculator for a non-token comparison. Review the Bitcoin forecast, Ethereum forecast, Solana forecast, the Bitcoin rainbow model, and lost-supply estimates before treating a yield quote as a complete thesis. BeCoin also provides a tools directory, broker comparisons, and a plain-language risk disclaimer.
Methodology and sources
- Ethereum.org — Staking, retrieved July 23, 2026: protocol staking overview and variable reward context.
- Ethereum.org — proof-of-stake rewards and penalties, retrieved July 23, 2026.
- Solana documentation — Stake program, retrieved July 23, 2026: delegation and activation/deactivation mechanics.
- Cosmos Hub — Validator FAQ, retrieved July 23, 2026: delegation, commission and slashing context.
Educational estimate only. Rates, commissions, token inflation, price and protocol rules change. This is not investment, tax or legal advice. Verify current terms with the protocol and provider before acting.
Frequently asked questions
How are crypto staking rewards calculated?
The calculator converts APR or APY into the selected compounding period, applies validator commission to each reward, and compounds the remaining tokens for the chosen term.
What is the difference between staking APR and APY?
APR is a simple annual rate before compounding. APY is the annual result after the quoted compounding assumption. Entering one as the other changes the result.
Can staking rewards lose money?
Yes. A price decline can exceed the yield, while slashing, lock-up, validator, contract and custody risks can reduce or delay rewards.
Why subtract token inflation from staking yield?
Issuance can dilute each token’s share of the network. The adjustment compares balance growth with supply growth; it does not predict purchasing power or price.