Enter how much you plan to stake, the advertised APY and the horizon, and get a month-by-month projection. You can choose whether rewards are restaked or paid out separately.
Final balance
1,070 SOL
Total rewards
70 SOL
Return on contributions
7%
| Month | Reward | Cumulative | Balance |
|---|---|---|---|
| 1 | 5.6541 | 5.6541 | 1,005.6541 |
| 2 | 5.6861 | 11.3403 | 1,011.3403 |
| 3 | 5.7183 | 17.0585 | 1,017.0585 |
| 4 | 5.7506 | 22.8091 | 1,022.8091 |
| 5 | 5.7831 | 28.5922 | 1,028.5922 |
| 6 | 5.8158 | 34.408 | 1,034.408 |
| 7 | 5.8487 | 40.2567 | 1,040.2567 |
| 8 | 5.8818 | 46.1385 | 1,046.1385 |
| 9 | 5.915 | 52.0535 | 1,052.0535 |
| 10 | 5.9485 | 58.002 | 1,058.002 |
| 11 | 5.9821 | 63.9841 | 1,063.9841 |
| 12 | 6.0159 | 70 | 1,070 |
The whole projection is in token units and assumes a constant rate. It does not account for token price, validator commission, slashing or unbonding periods. This is not financial advice.
Staking means locking tokens to take part in a proof-of-stake network's consensus, in exchange for a share of emissions and fees. This calculator turns an advertised APY into a concrete monthly projection, separating two cases that often get conflated: rewards that are automatically restaked and rewards that are paid out separately.
The arithmetic treats the advertised figure as an APY, an effective annual rate, which is how providers publish it. The equivalent monthly rate is not the APY divided by twelve but the twelfth root of one plus the APY. At a 10% APY that gives 0.797% per month, not 0.833%. The difference looks small but it is precisely the compounding effect, and ignoring it inflates the projection.
When rewards are restaked, each month earns on a larger balance and the curve pulls away from a straight line. When they are paid out, the reward-earning base stays fixed and the total grows linearly. The gap between the two is small over a few months and substantial over several years, which is why protocols with auto-compounding advertise it so heavily.
What the calculator cannot do is predict. A staking APY depends on how many others are staking, the protocol's emission schedule and network activity, and it moves continuously. On top of that sit risks that appear in no projection: slashing penalties for validator misbehaviour, unbonding periods during which you cannot sell, operator commissions and, above all, the token price. A position earning 10% a year in tokens loses money if the token falls 30%.
