Staking APY vs APR Calculator
Compare simple APR with compounded APY after validator or platform fees.
Staking APY vs APR Calculator calculation coverage
- 01
Net APR after fees
- 02
Flexible compounding
- 03
APY benefit comparison
Excludes token-price changes, lockups, slashing, downtime and changing reward rates.
About this tool
A staking APY calculator converts a simple annual percentage rate into an effective annual yield when rewards are reinvested. It can subtract validator or platform fees before applying the selected compounding frequency.
How it works
Net APR = quoted APR × (1 − fee share of rewards). APY = (1 + net APR ÷ compounding periods per year) raised to those periods, minus one. APR and fee share are decimals in the formula.
| Parameter | How it is used |
|---|---|
| Quoted APR | Simple annual reward-rate assumption. |
| Platform fee | Reduces rewards retained by the user. |
| Compounding frequency | Sets how often rewards are reinvested. |
| Principal | Converts percentage yield into token amount. |
Compounding after a reward commission
1,000 tokens, 12% APR, a 10% fee on rewards and monthly reinvestment for one year.
Net APR = 12% × (1 − 10%) = 10.8%. APY = (1 + 0.108/12)^12 − 1, about 11.35%.
About 1,113.51 tokens after compounding versus 1,108 tokens without reinvestment.
The fee is a share of rewards, not ten percentage points of APR. Token-price changes and transaction fees are excluded.
How to use this tool
- Enter the quoted APR and validator or platform fee.
- Choose the realistic reward reinvestment frequency.
- Compare net APR, APY and annual token rewards while considering token-price and custody risk.
Frequently asked questions
What is the difference between APR and APY?
APR is a simple annual rate. APY includes the effect of reinvesting periodic rewards during the year.
Does more frequent compounding always help?
It increases effective yield when rewards can be reinvested without extra cost, but network fees and lockups can offset the benefit.
Does APY include token price changes?
No. APY describes token-denominated reward growth. The fiat value can still rise or fall with the token price.