Cryptocurrency staking yield calculator
Use the calculator to estimate expected returns from staking: annual rate, income with reinvestment of rewards (compound interest), and total earnings. You can also compare this yield with more aggressive investment strategies from crypto finance in real time.
USDT
Expected income
- Income: 10,471.31 USDT
- Deposits: 0 USDT
- Initial sum: 100,000 USDT
Popular offers
Staking is a way to earn income by holding cryptocurrency. You lock coins on the platform and receive a reward, similar to a percentage income from a deposit or bond.
Read more about staking.| Token | APR/APY | Duration | Platform | |
|---|---|---|---|---|
USDT For new users | 600.00% | 2 days |  Mexc | |
 ETH | 2.48% |  Bybit | ||
 BTC | 10.00% | Mexc | ||
 USDC | 5.65% |  Binance | ||
 SOL | 5.37% | Binance | ||
 USDE | 3.00% | Bybit |
Staking calculator: how investment return is calculated
Staking calculator at compare-defi is a tool that helps investors estimate the potential return from staking cryptocurrency. With it you can calculate what profit a chosen yield rate can bring over a given period, including reward reinvestment and additional deposits. We have the most complete database of current offers with boosted rates as of the current date.
The main goal of the investor is to place their coins so as to maximize return. To know the final balance at the end of the staking period and calculate profit correctly, it is often not enough to know only the annual yield. For a more accurate calculation you need to use a staking calculator, because the result depends on additional parameters: whether rewards are reinvested, how often rewards are paid, and how often extra deposits are made. These factors can significantly change the final amount, especially with a long investment period and regular reinvestment of rewards.
The staking yield calculator at compare-defi.com lets you account for all these factors. You need to enter the initial amount, annual yield and investment period, which you can set to the nearest month. From this the service calculates the number of reward periods and models balance growth over the full staking term.
If reinvestment is enabled in settings, rewards are automatically added to the principal. This enables the effect of compound interest: rewards are added to the current balance, and each next period interest is paid on the increased balance. The more often reinvestment happens, the faster the total amount grows.
During the calculation the calculator goes through all yield periods in sequence. In each period, if a deposit is scheduled, that amount is added to the balance. Then the percentage yield is applied to the current balance according to the chosen reward frequency.
Important: calculator results are approximate and assume a fixed yield (APY), which in reality can change.
The calculator does not account for:
- asset price volatility;
- changes in interest rates over time;
- platform and network fees;
- smart contract and counterparty risks;
Actual returns may differ materially, up or down. Use the estimates for informational purposes only and do your own research (DYOR).
Compound interest in staking
Compound interest in staking is the mechanism of earning rewards not only on the initially staked amount but also on previously earned rewards. If rewards are regularly added to the main balance and keep participating in staking, income is capitalized. As a result the balance grows faster, because each next period profit is earned on a larger amount.
How to calculate staking yield with compound interest:
1) Turn on reinvestment by clicking «Reinvestment», then choose the reward and restaking frequency (e.g. daily, weekly, monthly). Then click «Calculate» to see the projected balance growth;
2) If you plan to both reinvest rewards and make regular deposits, set the frequency and amount of extra deposits by turning on «Additional deposits». Choose the amount and frequency. Then click «Calculate» for a more accurate yield forecast.
3) After the calculation the calculator will show the main investment parameters:
- initial amount;
- total additional deposits;
- accrued rewards;
- final balance;
- staking end date.
Frequently asked questions about the staking calculator
How to calculate staking return with irregular deposits?
If deposits are irregular or in different amounts, the total balance can be treated as a sequence of separate investments, each starting to earn at its own time. Each new amount only starts earning from the moment it is added to the balance.
There are several ways to calculate total yield in such conditions.
Example.
Cryptocurrency worth 100,000 USDC is staked on 13.01.2022 for 12 months at 10% per year. Rewards are paid at the end of the staking period. After 2 months 100,000 USDC is added (e.g. after unlocking from another staking pool), and after 3 more months — 50,000 USDC.
Staking return can be calculated in two ways.
First option: split the staking term into 3 periods. For the first 2 months 100,000 USDC is staked (until 13.03.2022). Then for 3 months — 200,000 USD (13.03–13.06.2022). For the last 7 months — 250,000 USD (13.06–13.12.2022). Using the calculator: staking return is 1,667 + 5,000 + 14,583 = 21,250 USDC.
Second option: treat deposits as separate staking positions, i.e. three independent positions:
- 100,000 USDC for 12 months;
- 100,000 USDC for 10 months;
- 50,000 USDC for 7 months.
Using the calculator: staking return is 10,000 + 8,333 + 2,917 = 21,250 USDC.
How to calculate daily staking percentage?
Daily staking yield can be calculated in two ways — simple (no reward reinvestment) or compound (with reinvestment). Without reinvestment the calculation is simple: daily yield is the annual rate divided by 365. In that case rewards are only paid on the initial amount and do not earn further.
Example.
1) You have 100,000 USDT staked at 11% per year. You want to know the return over 25 days.
2) Divide 11% by 365 to get 0.0301% per day.
3) Multiply staked amount by days and daily rate: 100,000 * 25 days * 0.0301%
Total return over 25 days is 752.5 USDT.
If reward reinvestment (compound interest) is used, the calculation follows the compound interest formula: S = D × (1 + p / n)^(n × t)
Calculation example.
You have 100,000 USDT staked for 25 days at 11% per year with daily reward reinvestment.
Formula: 100,000 × (1 + 0.11 / 365)^(365 × (25 / 365)) = 100,756.16 USDT (final balance).
Total return over 25 days is 756.16 USDT.
Frequently asked questions (FAQ)
If your scenario is more complex than the calculator’s default settings, break it into several simple stages and calculate each one separately.
For example, you can calculate the base period, the period after a top-up, the period after a yield or reinvestment mode change separately, then add the results.
Example: you stake 120 000 USDC for 12 months at 9% APY, add another 40 000 USDC after 4 months, and after 8 months the yield rises to 10.5% APY.
Then split the calculation into 3 stages: 120 000 USDC for 4 months at 9% = 3 600 USDC, then 160 000 USDC for 4 months at 9% = 4 800 USDC, and the last 4 months 160 000 USDC at 10.5% = 5 600 USDC.
Total staking income will be 14 000 USDC.
Divide the full staking term into several periods, each with the same rate.
Run a separate calculation for each period: if rewards are reinvested, the starting balance for the next period is the ending balance of the previous one; if there is no reinvestment, you can compute income for each segment separately and sum the results.
Example: 220 000 USDT is staked for 9 months. The first 3 months the rate is 8% APY, the next 3 months 8.5%, the last 3 months 9%.
Income by period: 4 400 USDT + 4 675 USDT + 4 950 USDT.
Total income over the full staking term is 14 025 USDT.
In that case, treat the principal and each top-up as separate staking positions.
For each position, set its own entry date, term, and yield rate, then add up all rewards earned.
Example: principal 300 000 USDT is staked for 12 months at 10% APY. After 8 months you add another 70 000 USDT, but the new funds earn 9.2% APY for the remaining 4 months.
Income on the principal is 30 000 USDT, and on the additional deposit 2 146.67 USDT.
Total staking income in this scenario is 32 146.67 USDT.
Split the scenario into sequential stages: before the partial withdrawal, after the amount changes, and after funds are redeployed.
For each stage use the actual balance, current rate, and your chosen reinvestment mode.
Example: 180 000 USDC is staked for 12 months at 10% APY. After 5 months, 60 000 USDC is withdrawn from the first pool and moved to another pool at 12% APY for the remaining 7 months.
Then income is: first 5 months on 180 000 USDC — 7 500 USDC, next 7 months on the remaining 120 000 USDC — 7 000 USDC, and in the new pool on 60 000 USDC — 4 200 USDC.
Combined income across the two staking positions is 18 700 USDC.
It is usually easiest to first calculate gross staking yield: how much reward the stake earns before extra deductions.
Then subtract network fees, platform fees, and any tax obligations in your jurisdiction separately.
Example: staking 150 000 USDT at 12% APY for 6 months gives gross income of 9 000 USDT.
If the network fee is 20 USDT, the platform fee 90 USDT, and a 13% tax applies to the remaining 8 890 USDT, the tax is 1 155.70 USDT.
Net income after fees and tax is 7 734.30 USDT.