Staking and APY calculator
What a staked position actually pays once compounding is accounted for — and where the quoted rate stops being the rate you receive.
Final balance
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- Total contributed
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- Rewards earned
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- Effective APY
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- Equivalent APR
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- Rewards in year one
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- Rewards in the final year
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APR versus APY
APR is the simple annual rate. APY is that rate with compounding folded in. At 5% they are nearly the same; at 50% the gap is enormous — 50% APR compounded daily is about 64.8% APY. Platforms quote whichever number flatters them, so check which one you are being shown before comparing two offers.
APY = (1 + APR ÷ n)ⁿ − 1 where n is the number of compounding periods per year
Current yields on large pools
Live from DefiLlama, filtered to pools holding more than $50m with an APY under 40% — anything far outside that range is either a temporary incentive or a risk you are being paid to take.
| Pool | Chain | Project | APY | TVL | |
|---|---|---|---|---|---|
| STETH | Ethereum | lido | 2.24% | $24.23B | |
| WBETH | Ethereum | binance-staked-eth | 2.22% | $8.79B | |
| WEETH | Ethereum | ether.fi-stake | 2.27% | $5.52B | |
| SUSDS | Ethereum | sky-lending | 3.80% | $4.92B | |
| WEETH | Ethereum | aave-v3 | 0.00% | $3.8B | |
| WBTC | Ethereum | aave-v3 | 0.00% | $2.79B | |
| USDC | Ethereum | maple | 5.21% | $2.78B | |
| WSTETH | Ethereum | aave-v3 | 0.00% | $2.38B | |
| USYC | BSC | circle-usyc | 3.33% | $2.36B | |
| CBBTC | Ethereum | aave-v3 | 0.00% | $1.42B | |
| RETH | Ethereum | rocket-pool | 2.17% | $1.3B | |
| USDY | Ethereum | ondo-yield-assets | 3.65% | $1.22B | |
| SUSDE | Ethereum | ethena-usde | 4.84% | $1.22B | |
| ETH | Tron | justlend-v1 | 0.00% | $1.19B | |
| JITOSOL | Solana | jito-liquid-staking | 4.82% | $1.16B | |
| BNSOL | Solana | binance-staked-sol | 4.69% | $1.13B | |
| RSETH | Ethereum | kelp | 2.30% | $1.03B | |
| BUIDL | Aptos | blackrock-buidl | 3.47% | $967.63M | |
| KHYPE | Hyperliquid L1 | kinetiq-khype | 1.93% | $926.62M | |
| BUIDL | Solana | blackrock-buidl | 3.78% | $924.57M |
What the quoted rate leaves out
- The rate is in tokens, not dollars. A 12% yield paid in a token that falls 40% is a loss. Yields quoted in USD terms on a volatile asset are marketing.
- Lock-ups and unbonding. Ethereum validator exits queue; several chains have unbonding periods of days or weeks during which you cannot sell.
- Slashing. Proof-of-stake networks penalise validator misbehaviour, and delegators share the penalty.
- Smart contract risk. Liquid staking and lending pools are code holding your money. Audits reduce the risk; they do not remove it.
- Incentive decay. Headline APYs on new pools are usually token emissions that fall sharply as TVL arrives.