How the crypto staking calculator works
Staking rewards are usually paid in the coin you stake, so they increase the number of coins you hold, not the number of euros.
The crypto staking calculator first reduces the advertised rate by the provider's commission, then grows the number of coins year by year, and finally values them at the changed price.
| Step | Formula |
|---|---|
| Net reward rate | Advertised rate × (1 − commission) |
| Coin growth | (1 + net rate) ^ years |
| Value with staking | Amount × coin growth × (1 + price change) |
| Value without staking | Amount × (1 + price change) |
Crypto staking calculator example: rewards and a falling price
Example: €1,000 staked for two years at an advertised 5%, with a 25% commission, while the price falls by 30%.
| Item (example) | Result |
|---|---|
| Net reward rate | 3.75% a year |
| Extra coins after two years | About 7.6% |
| Value without staking | €700 |
| Value with staking | About €753 |
| Result | About −€247 |
Illustrative example calculated with the crypto staking calculator above; the rate, commission and price change are assumptions.
Staking softened the loss by about €53, but the price fall decided the result.
A staking reward is not interest on a deposit: it is paid in a coin whose price can fall by more than the reward.
What staking is
Some blockchains are secured by validators who lock up coins as a stake, and the network rewards them with new coins and fees.
When you stake through an exchange, the exchange or a partner runs the validator, passes on part of the reward and keeps a commission.
The guide to crypto staking on exchanges explains how exchange staking works and what to check.
Risks the crypto staking calculator does not show
- Lock-up periods: some staking cannot be undone instantly, so you may not be able to sell during a fall.
- Penalties: some networks can cut a validator's stake for misbehaviour, which is called slashing.
- Provider risk: staked coins held by an exchange depend on that exchange.
- Changing rates: reward rates are not fixed and can fall.
- Tax: in some countries, staking rewards can be taxable when received.
Check the provider's staking terms for each of these before you stake.
Staking and MiCA
MiCA lists ten crypto-asset services, from custody and exchange to advice and transfers, and staking is not one of them by name.
When an exchange holds your coins to stake them, it does so as a custodian, and MiCA's custody rules apply to the holding of client crypto-assets.
Read the provider's staking terms carefully, because they describe who runs the validator, what happens to rewards and what risks you carry.
Comparing staking offers with the crypto staking calculator
- Find the advertised rate: and check whether it is already shown after commission.
- Find the commission: usually stated in the staking terms.
- Check the lock-up: how long it takes to unstake.
- Run two price scenarios: a rise and a fall, to see how much the price matters.
An unusually high rate is a reason for caution, because rates far above the market can signal a risky product or a scam, as the guide to crypto scams explains.
Crypto staking calculator: commissions compared
Example: €1,000 staked for two years at an advertised 5%, with no price change.
| Commission | Net rate | Value after two years |
|---|---|---|
| 0% | 5.00% | €1,102.50 |
| 15% | 4.25% | €1,086.81 |
| 25% | 3.75% | €1,076.41 |
| 35% | 3.25% | €1,066.06 |
Illustrative; a published example is 25% of staking rewards kept by Coinmotion, from their own pages checked 24 October 2026.
The difference between commissions is real but small compared with the effect of price, which is why the calculator includes a price change.
Crypto staking calculator: price scenarios
Example: the same €1,000 at a 3.75% net rate for two years, under different price changes.
| Price change | Value with staking | Value without staking |
|---|---|---|
| +50% | About €1,615 | €1,500 |
| 0% | About €1,076 | €1,000 |
| −30% | About €753 | €700 |
| −70% | About €323 | €300 |
Calculated with the crypto staking calculator; assumptions, not forecasts.
Staking rewards and compounding
The calculator assumes rewards are added to the stake once a year and earn rewards themselves.
Some providers add rewards more often, which compounds slightly faster, while others pay rewards into a separate balance that does not compound unless restaked.
Check how your provider handles rewards, because over several years the difference can be noticeable.
Staking and liquidity
Some staking can be stopped at any time, while other staking has an unbonding period during which coins cannot be sold.
A lock-up is a cost in itself, because during a fall you may be unable to act.
The guide to crypto staking on exchanges explains what to look for in the terms.
Staking offers that are too good
Rates far above what established providers offer for the same coin are a warning sign.
High fixed "yields" promised by unknown platforms are a common feature of investment scams, as the scam check explains.
Crypto staking calculator: reading an advertised rate
- Is the rate fixed or variable, and how often has it changed?
- Is it shown before or after the provider's commission?
- Are rewards paid in the same coin, so their euro value moves with the price?
- Is there a lock-up period or an unbonding wait before you can sell?
- Is the reward compounded automatically, or paid out?
Enter the rate after commission in the crypto staking calculator, and test it with lower rates as well.
Crypto staking calculator: an example with commission
Example: a network reward of 5% a year and a provider commission of 25% of rewards.
The rate you receive is 5% × (1 − 0.25) = 3.75% a year.
On 10 coins, that is 0.375 coins after a year, before any change in price.
If the price falls 20% over the same year, 10.375 coins are worth less in euros than the original 10 coins were, even though you have more coins.
Crypto staking calculator: unbonding and selling
Some networks make staked coins wait for a period before they can be moved or sold.
During that wait, the price can move while you cannot act, which is a risk the crypto staking calculator does not show.
Check the unbonding period on the provider's staking page before you stake, and keep coins you may need soon unstaked.
Crypto staking calculator: questions readers ask
Is staking interest? Staking rewards come from the network's rules for securing it, not from a loan, but they are often shown as a yearly rate.
Can staking lose me coins? On some networks, validators can be penalised for errors, and providers' terms explain whether they cover such losses.
Is staking taxed? Tax treatment depends on your country; check your tax authority's guidance before you stake.
Crypto staking calculator: on an exchange or on your own
| Staking through a provider | Staking from your own wallet | |
|---|---|---|
| Who holds the coins | The provider | You |
| Commission | Set by the provider | Set by the validator you choose |
| Technical effort | Low | Higher, depending on the network |
| Main extra risk | Provider failure or changed terms | Mistakes with keys or validator choice |
Whichever route you choose, the crypto staking calculator works the same way: enter the rate you actually receive after commission.
When staking through a provider, check in its terms whether the staked coins remain held in custody for you and what happens to them if the provider stops the service.
A provider can change its commission or end a staking product, so the rate you enter today may not hold for the whole period you plan for.
Read the staking terms again whenever the provider announces a change.
Keep a note of the date you started staking.
It helps with records and with tax reporting later.
Frequently asked questions
Is staking income guaranteed?
No. Reward rates change, and rewards are paid in a coin whose price can fall. The euro value of your stake can fall even while the number of coins grows.
What commission do exchanges take on staking?
It varies by provider and coin. Check the staking terms, because some exchanges show the rate before commission and some after.
Can I lose money by staking?
Yes. A price fall can be far larger than the reward, and penalties or provider problems can also cause losses.
Does the crypto staking calculator include lock-up periods?
No. It shows the maths of rewards and prices. Lock-up periods affect when you can sell, so check them in the terms.
Is staking covered by MiCA?
Staking is not named among MiCA's ten crypto-asset services, but an exchange that holds your coins to stake them holds them as a custodian.
Is my data saved when I use the crypto staking calculator?
No. Everything runs in your browser and nothing is stored or sent.
Sources
- Regulation (EU) 2023/1114 (MiCA), Article 3(1)(16): list of crypto-asset services; Article 75: custody
Every figure on this page is checked against the ESMA register, the exchange's own terms and fee pages or another primary source, and the sources are listed above. Editorial policy · How we rate