---
title: "Crypto staking & APY calculator"
canonical: https://flicker.finance/calculators/staking
---

# Crypto staking & APY calculator

**Staking 1 ETH at 4% APY for 3 years earns about 0.1249 ETH if rewards are restaked daily. In dollars that holds only if the price doesn't fall: a 11.10% fall over the 3 years uses up the rewards.**

Staking rewards with compounding: coins earned over time from an APR or APY, the APR-to-APY conversion, and the price fall that would use the rewards up.

## Formula

```text
APY             = (1 + APR ÷ n)^n − 1          (n = payouts per year)
balance after t = deposit × (1 + APY)^t
rewards         = balance after t − deposit
fall that cancels the rewards = 1 − deposit ÷ balance
```

## Rewards on 1 ETH by APY and years

| APY | After 1 year | After 3 years | After 5 years |
| --- | --- | --- | --- |
| 3% | 0.0300 ETH | 0.0927 ETH | 0.1593 ETH |
| 4% | 0.0400 ETH | 0.1249 ETH | 0.2167 ETH |
| 5% | 0.0500 ETH | 0.1576 ETH | 0.2763 ETH |
| 7% | 0.0700 ETH | 0.2250 ETH | 0.4026 ETH |

## APR to APY

APR is the yearly rate before compounding; APY is what it becomes once each payout is restaked.

| APR | APY, daily compounding | APY, weekly compounding | APY, monthly compounding | APY, quarterly compounding | APY, annually compounding |
| --- | --- | --- | --- | --- | --- |
| 3% | 3.05% | 3.04% | 3.04% | 3.03% | 3.00% |
| 5% | 5.13% | 5.12% | 5.12% | 5.09% | 5.00% |
| 7% | 7.25% | 7.25% | 7.23% | 7.19% | 7.00% |
| 10% | 10.52% | 10.51% | 10.47% | 10.38% | 10.00% |

## How far can the price fall before the rewards are gone?

At 4% APY, a fall of 3.85% over one year cancels that year's rewards. The table shows that fall for each rate and period.

| APY | Over 1 year | Over 3 years | Over 5 years |
| --- | --- | --- | --- |
| 3% | 2.91% | 8.49% | 13.74% |
| 4% | 3.85% | 11.10% | 17.81% |
| 5% | 4.76% | 13.62% | 21.65% |
| 7% | 6.54% | 18.37% | 28.70% |

At ETH $2,297.93 (price as of Oct 29, 2026, 20:38 UTC), 0.1249 ETH of rewards is worth $286.93, and moves with the price, which the rewards do not protect against.

Interactive calculator: https://flicker.finance/calculators/staking

_Figures computed by the calculator's own math; content checked October 17, 2026. Rates in the tables are examples, not a venue's live rate._

---

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