With $1,000 and a 12% APR, estimated rewards over one year are $120 without reinvesting or $127.47 with daily compounding. In the second case, each reward is added to the invested amount and starts earning further rewards.
The staking and APY calculator below converts an APR and a compounding frequency into an effective annual yield and estimated rewards. It compares these two scenarios over one year, assuming a constant rate and an unchanged asset price. It does not include fees, taxes or the terms of a particular product. The initial $1,000 amount and 12% rate are examples, not an exchange offer.
APY / APR Calculator
Enter your staking parameters to see the difference between simple and compound interest
To choose a coin and a duration, use the separate staking calculator. It uses rates from Yieldo’s available product selection and does not carry over an APR entered here. For your own APR, use this article’s form and the worked examples below.
Enter your assumptions and read the result
Investment amount. Enter the dollar value of your investment. For a crypto asset, the dollar result assumes that the token price stays unchanged. A worked example below shows how your token balance can grow while its dollar value falls.
Annual rate: APR. Enter the rate stated for the product you are considering. APR is an annual measure: a 12% APR does not mean a 12% return every month or during a short lock-up. At a constant rate without reinvesting, $1,000 earns $120 over 365 days, or about $9.86 over 30 days.
If the product quotes APY, do not enter that number as APR with compounding switched on: this would count compounding twice. For example, a 12% APY already corresponds to $120 in annual rewards on $1,000 if the product's conditions are met. Find its APR to use this form for a comparison; the APR and APY guide explains the distinction in more detail.
Compounding frequency. In this form, the selected frequency means rewards are added straight back to the invested amount. Choose daily, weekly or monthly compounding only for a scenario in which you can actually reinvest that often. If rewards stay in a separate account or you withdraw them, use the option without compounding.
Daily payouts do not, by themselves, mean daily compounding. For example, Bybit's Easy Earn terms say flexible-product rewards go to the Periodic payments between buyers and sellers of perpetual futures. Buyers pay when the rate is positive; sellers pay when it is negative. This mechanism keeps the contract price closer to the underlying asset price. Account; Auto-Earn is described as a separate setting for investing idle funds. Check what happens to payouts in your particular product before selecting a frequency. Easy Earn terms, Auto-Earn instructions.
Read the output as follows:
- APR earnings are the estimated annual rewards without reinvesting.
- APY and compounded earnings are the effective annual yield and estimated rewards at your chosen reinvestment frequency.
- The difference is the extra income from compounding under these assumptions.
For $1,000 at a 12% APR, daily reinvestment adds $7.47 over one year. The ending balance would be $1,127.47: the form's $127.47 earnings figure excludes your initial investment.
Which rate should you use?
Use the APR of a product available to you for the amount and duration you need. Check whether the rate applies to the whole investment, whether a promotion lasts only a few days and where rewards are paid. If the rate is variable, a calculation with one APR shows what would happen if that rate stayed unchanged throughout the period.
When the form offers a “Try with real rate” button, it fills in the APR only. Your amount and compounding setting stay as you selected them; the exchange's product terms do not become part of the calculation. The rate comes from Yieldo's available selection and does not establish which offer is best for your investment.
Look for a product in the staking section or the selection below. Confirm the rate and restrictions on the exchange's product page before committing funds.
| Coin | Best APR | Exchange | Type | Action |
|---|---|---|---|---|
| BTC Bitcoin | 7.00% | MEXC | Flexible | Stake Now |
| ETH Ethereum | 7.00% | MEXC | Flexible | Stake Now |
| USDT Tether | 10.00% | MEXC | Flexible | Stake Now |
| USDC USDC | 11.67% | Aave v3 | On-chain | Open protocol |
| SOL Solana | 10.00% | BingX | Fixed | Stake Now |
For your own APR and a different duration, use the formulas below. The form in this article answers a narrower question: what annual result follows from a given APR and reinvestment frequency?
Calculate APY from APR and estimate compounded rewards
Without reinvesting, the annual calculation is:
Rewards = amount × APR / 100
$1,000 × 0.12 = $120
With compounding, the balance used to calculate subsequent rewards gradually grows. At a constant APR, the effective annual yield is:
r = APR / 100
APY = (1 + r / n)^n − 1
Annual rewards = amount × APY
Here, n is the number of reinvestments per year: 12 for monthly, 52 for weekly and 365 for daily compounding. The formula returns APY as a decimal: 0.1274746 is approximately 12.75%.
For $1,000 at a 12% APR with daily compounding:
APY = (1 + 0.12 / 365)^365 − 1 ≈ 12.75%
Rewards = $1,000 × ((1 + 0.12 / 365)^365 − 1) ≈ $127.47
Do not multiply the amount by the rounded 12.75% if you want to reproduce the result to the cent: the calculator rounds the output after the calculation.
How much does the compounding frequency change APY?
All rates in this table are illustrative. It demonstrates the calculation, not currently available offers.
| APR | No compounding | Monthly | Weekly | Daily |
|---|---|---|---|---|
| 2% | 2.00% | 2.02% | 2.02% | 2.02% |
| 5% | 5.00% | 5.12% | 5.12% | 5.13% |
| 12% | 12.00% | 12.68% | 12.73% | 12.75% |
| 20% | 20.00% | 21.94% | 22.09% | 22.13% |
| 50% | 50.00% | 63.21% | 64.48% | 64.82% |
On $1,000, daily compounding adds about $0.20 to simple annual rewards at a 2% APR, $1.27 at a 5% APR and $7.47 at a 12% APR. Compare that extra income with the work and costs involved in reinvesting. A high calculated APY also does not establish that a product is reliable or that its rate can remain available for a full year.
Calculate rewards for a day, a month or a year
The embedded form has no duration selector: all its results cover one year. For a different duration at your own APR, use the following formulas. The separate tool with a duration selector uses rates from Yieldo’s product selection, rather than the APR entered in this article. These examples use a 365-day year; a product's actual accrual rules may differ.
Without reinvesting:
Rewards = amount × (APR / 100) × days / 365
With daily reinvestment:
Rewards = amount × ((1 + APR / 100 / 365)^days − 1)
For example, with $1,000 and an unchanged 12% APR:
| Duration | Rewards without reinvesting | Rewards with daily compounding | Ending balance with daily compounding |
|---|---|---|---|
| 1 day | $0.33 | $0.33 | $1,000.33 |
| 30 days | $9.86 | $9.91 | $1,009.91 |
| 90 days | $29.59 | $30.03 | $1,030.03 |
| 365 days | $120.00 | $127.47 | $1,127.47 |
| 1,095 days — three 365-day years | $360.00 | $433.24 | $1,433.24 |
The three-year example assumes uninterrupted reinvestment and the same rate for all 1,095 days. It is not a forecast for a particular product. Under the same assumptions, five 365-day years, or 1,825 days, would produce $821.94 in rewards and an ending balance of $1,821.94.
For a shorter period, do not divide compounded annual rewards by 12 or 365 and scale the result to the number of days: compound growth is not linear. For 30 days, use an exponent of 30 in the formula instead of a fraction of the annual result.
Three checks before comparing products
1. A high rate may last only a few days
Suppose a product offers an illustrative 20% APR for seven days only. For $1,000 without reinvesting, the result is:
$1,000 × 0.20 × 7 / 365 ≈ $3.84
If this scenario requires a separate $2 fee, about $1.84 remains after that fee and before any other costs. The fee is also illustrative. Seven days at this rate do not establish a 20% APR for the whole year: check the rate and availability again if you want to renew.
The calculation assumes that the investment stays in place for all seven days. Check whether early redemption is available and what happens to rewards if you leave early: your preferred withdrawal date may differ from the product’s terms.
Compare products using the same amount, duration and treatment of costs. Account for any applicable purchase, transfer, withdrawal and exchange fees. Do not subtract a fee twice if the terms explicitly say that the quoted rate already includes it.
2. The higher rate may apply to only part of your balance
Suppose the first $100 earns a 20% APR and the next $900 earns 3%. Annual rewards without compounding would be:
$100 × 0.20 + $900 × 0.03 = $47
$47 / $1,000 × 100 = 4.7%
That is 4.7% on the whole investment, not 20%. For a simple annual comparison, enter the weighted rate or calculate each tier separately. Compounding makes this example more involved: newly earned rewards may fall into a different tier, so a constant weighted APR no longer describes all the conditions.
3. Token rewards and dollar returns can move in different directions
Suppose you invest 10 tokens at $100 each, worth $1,000 in total. You earn 10% over the year in the same token and now hold 11 tokens. If the price has fallen to $80, the position is worth:
11 × $80 = $880
$880 − $1,000 = −$120
Your token balance has grown by 10%, but your dollar return is a 12% loss before costs. The embedded calculator does not model this risk: its dollar results assume an unchanged token price.
A stablecoin does not turn the calculation into a guarantee that you will get your money back. Crypto interest products also involve platform, liquidity and technical risks. These limitations are discussed in Investor.gov's bulletin on crypto interest-bearing accounts.
What to check after the calculation
The same formula can model different interest arrangements, but the products themselves can work differently. For example, Ethereum staking involves validators and network security. For an exchange Earn product, check the specific terms to understand how rewards are generated. An APR comparison cannot answer that question.
Before choosing a product, write down five inputs: the rate available to you, your amount, the duration, how you will reinvest and the costs. Calculate rewards without compounding first, then add only a reinvestment schedule you can actually use. If the rate lasts for a short period or applies to only part of your balance, calculate those conditions separately.
As a next step, use the calculator with coin and duration selection and check each offer's terms. Alongside the return, compare withdrawal restrictions and staking risks as well: the rate difference is only one part of the decision.