Staking Lock-Up Calculator

Whether locking your coins for a higher rate beats flexible staking. Lock 100 coins worth ₹15,000 each for 90 days at a 10% APR, with a 7-day wait to unstake, against flexible staking at 6%. Locking earns 2.4658 coins, worth ₹36,986, and flexible staking 1.5945 coins over the same 97 days, so locking adds ₹13,068. Counting the wait, the lock earns 9.28% a year, and the extra covers a price fall of only 0.87% while you cannot sell.

Because the unstaking wait earns nothing and counts against a short lock the most. With a 7-day wait, a 7-day lock at 10% ties your coins up for 14 days but earns for only 7: an effective 5% a year, below 6% flexible. To match flexible staking it would need a 12% APR. The table shows the locked APR each lock-up needs.

The wait between asking for your coins back and getting them. Many networks have one, from about a day to several weeks, and during it the coins earn no rewards and cannot be sold. Exchanges often add their own processing time to locked products. Enter the wait for your network or platform; leave it blank if the coins come back the day the lock ends.

Only if you would not have sold during the lock. The extra reward is usually small next to a coin’s price swings: in the example it covers a fall of under 1%, while prices can move 10% in a day. If you might need the money, or want to sell into a rise or a fall, the freedom of flexible staking can be worth more than the extra rate. Locked products on an exchange also leave your coins with the exchange for the whole term.

It depends on the product. Some exchanges let you redeem early but pay no rewards, or a lower rate, for the time already locked; some do not allow it at all; native network staking usually only makes you wait out the unbonding period. Read the terms before you lock, and treat a lock-up as money you cannot reach until the date it ends.

The same as other staking rewards: usually as income when received, at your slab rate plus cess on their value in rupees that day, then at 30% plus cess on any rise in value when you sell. Locked products that pay everything at the end of the term put all the income in the year the term ends. The Staking Rewards Calculator works out the tax, and the Staking APR Calculator checks the rate you actually received.