Monmint
Free tool

Staking Rewards & APY Calculator

Project staking rewards with compounding — convert APR to APY and see your final balance over time.

Staking rewards compound: this calculator converts an APR into the effective APY for your compounding frequency (APY = (1 + APR/n)^n − 1) and projects your final balance and total rewards over a chosen number of years. More frequent compounding raises the effective yield above the stated APR.

Effective APY12.75%APR with compounding applied.
Final balance1,127.4746
Rewards earned127.4746
How it works

APR (annual percentage rate) is the simple yearly rate, while APY (annual percentage yield) includes the effect of compounding — reinvesting rewards so they earn rewards too. The more often rewards compound, the higher the APY for the same APR. The relationship is APY = (1 + APR/n)^n − 1, where n is the number of compounding periods per year.

Your balance grows as A = P · (1 + APR/n)^(n·t), where P is the principal and t is the number of years. The difference between the final balance and your principal is the total rewards earned. Over long periods, compounding frequency makes a meaningful difference.

Staking yields are not guaranteed — they depend on the protocol, total staked, and token price — but modelling the compounding maths up front shows the realistic upper bound for a given APR.

Monmint is a no-code ERC-20 creator on Monad — launch a verified token in one transaction.

Create a token on Monad
FAQ

Common questions

What is the difference between APR and APY?
APR is the simple annual rate without compounding; APY includes compounding. For the same APR, more frequent compounding gives a higher APY.
How do I convert APR to APY?
APY = (1 + APR/n)^n − 1, where n is the number of compounding periods per year (e.g. 365 for daily). This tool does the conversion for you.
Does more frequent compounding earn more?
Yes, slightly. Daily compounding yields a bit more than monthly for the same APR, because rewards start earning rewards sooner.
Are staking rewards guaranteed?
No. Real yields vary with the protocol, the amount staked network-wide, and token price. The calculator shows the mathematical projection for a fixed APR.
Keep reading

Related