Skip to content
BTC $63,867.37 -1.84% ETH $1,731.90 -1.30% USDT $0.998463 -0.07% BNB $588.16 -2.43% USDC $0.999309 -0.04% XRP $1.16 -3.08% SOL $70.79 -2.16% TRX $0.319521 -0.49% FIGR_HELOC $1.02 -1.42% HYPE $70.44 -1.87% STETH $1,731.62 -1.28% DOGE $0.083953 -2.62% USDS $0.999358 -0.04% LEO $9.61 -0.67% AAPL $299.25 +1.12% MSFT $377.95 -0.25% NVDA $208.47 +1.87% AMZN $239.39 +0.79% GOOGL $363.69 -0.03% META $572.38 +0.85% TSLA $390.33 -1.53% AVGO $407.79 +3.79% JPM $333.32 -0.04% V $331.62 +0.38% SPY $745.20 +0.83% VOO $687.11 +0.84% IVV $748.69 +0.82% QQQ $735.94 +1.86% VTI $368.90 +0.86% DIA $516.56 +0.32% IWM $292.56 +0.92% VEA $72.22 +0.83%
Fox Periodical
Free Calculator

Staking & Compound Interest Calculator

Estimate the future value of a holding that compounds at a given annual yield.

Free to use No sign-up Runs in your browser

Calculator

Future value
—
Interest earned
—

For educational and informational purposes only — not financial, investment or tax advice. Results are estimates based on the figures you enter.

How the calculation flows

Principal APY % Compounds / year Years
↓
P × (1 + r ÷ n)ⁿᵗ
↓
Future value

The inputs you enter feed a fixed formula to produce the result. Change any input to see how sensitive the outcome is.

Conceptual diagram

Time → Balance → Compounding Simple growth
Illustrative: reinvested returns make the balance bend upward over time, pulling ahead of simple, non-compounded growth. Shape only — not a forecast.

What the compound interest calculator does

The Staking & Compound Interest calculator shows how a balance grows when the yield it earns is reinvested rather than withdrawn. In crypto this most often applies to staking rewards and other yield that is paid back into your position, where compounding can meaningfully outpace simple interest over time.

How it works

Compounding means you earn yield on your yield. The more frequently rewards are added back to the principal, the faster the balance grows for the same headline rate.

Future value = Principal × (1 + APY ÷ n)^(n × years)

Here n is the number of compounding periods per year. Daily compounding (n = 365) grows slightly faster than monthly (n = 12) at the same APY, because rewards start earning sooner.

Worked example

Illustrative example — your figures will differ

Stake $1,000 at a 5% APY, compounding daily, for 3 years (the calculator’s defaults).

  • Future value: ≈ $1,161.83
  • Interest earned: ≈ $161.83

At simple (non-compounded) 5% the same stake would earn $150 over three years, so compounding adds roughly $12 here — a gap that widens sharply at higher rates and longer horizons.

$1,000 staked at 5% APY, daily, 3 years (illustrative)
Principal$1,000
Interest~$162
Final value~$1,162

Compounding over time

The same $1,000 at 5% APY (daily) illustrates how the curve bends upward as interest itself starts earning interest.

Years Value Interest earned
1 ~$1,051 ~$51
3 ~$1,162 ~$162
5 ~$1,284 ~$284
10 ~$1,649 ~$649

How to use it

  1. Enter your principal (the amount staked or deposited).
  2. Enter the APY — already a compounded figure if your platform quotes APY rather than APR.
  3. Set the number of years and the compounds per year (365 for daily, 12 for monthly).
  4. Read the future value and interest earned.

Limits to keep in mind

  • Crypto yields are rarely fixed. Advertised APYs can change daily and may fall as more capital chases the same rewards.
  • The token you earn can fall in price; a high APY on a depreciating asset can still lose value in dollar terms.
  • Staking can carry lock-ups, slashing and smart-contract risk the math does not capture.

Related reading

For education only — not financial, investment or tax advice. Yields are not guaranteed.