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Crypto staking calculator — how much will you earn from staking?
Staking is a way to earn rewards by locking up crypto in a blockchain network. Platforms offer annual rates (APR) ranging from a few to tens of percent depending on the asset and protocol. This calculator lets you quickly see your real earnings — with simple (APR) or compound (APY) mode, a period in days, and an optional 19% capital gains tax (Polish "Belka tax"). Enter the amount, annual APR, number of days, and toggle tax and compounding. The calculator returns annual, monthly and daily rewards, total value after the period, gross profit, tax and net profit.
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How the staking calculator works
Simple APR rewards: Annual reward = amount x APR / 100 Monthly reward = annual reward / 12 Daily reward = annual reward / 365 Profit over N days = amount x APR / 100 x (days / 365) Compound (APY): Value after N days = amount x (1 + APR/100 / 365)^days Gross profit = value after N days - amount Effective APY = (1 + APR/100 / 365)^365 - 1 Belka tax (19%): tax = gross profit x 0.19; net profit = gross profit x 0.81. All amounts rounded to the nearest grosz.
Example: PLN 10,000, APR 8%, 365 days
Capital: PLN 10,000. APR: 8%. Period: 365 days. Annual reward (simple): PLN 800. Monthly reward: ~PLN 66.67. Daily reward: ~PLN 2.19. With Belka tax (19%): tax PLN 152, net profit PLN 648. With compounding enabled (APY ~8.33%): gross profit ~PLN 832.78, net after tax ~PLN 674.55.
Frequently asked questions
What is crypto staking?
Staking means locking up your crypto in a blockchain network in exchange for rewards. It is used in Proof of Stake (PoS) networks where validators are chosen based on the number of tokens they lock. The more crypto you stake, the greater your potential rewards.
What is the difference between APR and APY in staking?
APR (Annual Percentage Rate) is a simple annual rate with no compounding. APY (Annual Percentage Yield) factors in compounding — rewards are automatically reinvested and earn further rewards. At APR 8% with daily compounding, APY is about 8.33%. This calculator supports both modes.
How are staking rewards calculated?
Simple APR: annual reward = amount x APR / 100; daily reward = annual / 365. Compound: value after N days = amount x (1 + APR/100/365)^days; profit = result - amount. The calculator shows both modes for easy comparison.
Are staking rewards taxable in Poland?
Yes. Staking rewards are treated as income from capital and are subject to a 19% capital gains tax (Belka tax). The income should be reported in the PIT-38 tax return. The calculator lets you factor in this tax.
What risks are involved in staking?
Currency risk (the crypto value may fall), smart contract risk (code bugs), slashing risk (penalty for validator misbehaviour), platform risk (exchange or CeFi insolvency), and liquidity risk (funds locked for a fixed period). Research each risk before staking.
What is liquid staking?
Liquid staking lets you receive a derivative token (e.g. stETH for Ethereum) in exchange for your locked tokens. This token can be freely transferred and used in DeFi protocols, so you retain liquidity while your original tokens are staked. Popular protocols include Lido and Rocket Pool.
How do I convert APR to effective APY?
APY = (1 + APR/100 / 365)^365 - 1. Example: APR 10% with daily compounding gives APY ~10.52%. The calculator computes and displays effective APY automatically when compounding mode is enabled.
Can I lose my capital while staking?
Yes. In CeFi there is platform insolvency risk. In DeFi there are smart contract exploit risks. Regardless of mode — if the crypto value falls sharply, your real return in PLN can be negative even if nominal crypto rewards were earned.
Which platforms can I use for staking?
Popular options include centralised exchanges (Binance, Kraken, Coinbase) and decentralised protocols (Lido for Ethereum, Rocket Pool, Cosmos and Polkadot networks). Each platform has different rules, fees and risks — always verify the terms before investing.
Does the calculator guarantee a return?
No. The calculator is for informational and educational purposes only. APR/APY rates are variable and not guaranteed. Cryptocurrencies are high-risk assets. This tool does not constitute investment or tax advice — consult an adviser before making decisions.
WARNING: Cryptocurrencies are high-risk assets. The value of your invested capital may fall significantly or be lost entirely. APR/APY rates offered by platforms are variable and not guaranteed. Rewards are denominated in cryptocurrency — real returns in PLN depend on exchange rates. This calculator is for informational and educational purposes only; it does not constitute investment, financial or tax advice. Tax information is indicative and may change. Before making investment decisions, consult a licensed financial or tax adviser.
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