Staking Profit Calculator

Work out the profit on staked coins from buy to sell: the price gain, the rewards, India’s tax and fees, the price that breaks even, and what staking adds over just holding.

Your coins

What you paid for each coin.

Optional: blank uses the buy price.

When you sell the coins and rewards.

Staking

Optional: only if the APR is before it.

Tax and fees

New-regime slab by income in lakh (L); for rewards.

Optional: the exchange’s trading fee.

Your staking profit

Enter your coins, what you paid, the sell price, the APR and the months, then choose Calculate. Your figures appear here.

Price Gain on Your Coins

₹0.00

Before tax

Staking Rewards

₹0.00

At the sell price

Tax and Fees

₹0.00

On the gain, the rewards and the sale

Break-Even Sell Price

₹0.00

Where the trade leaves nothing

Against Just Holding

₹0.00

What staking adds after tax

Profit After Tax

₹0.00

On the whole trade

At a steady APR, with rewards valued each month on an even path from the start price to the sell price, and everything sold at the end. Tax is 30% plus 4% cess on gains when sold and your slab plus cess on rewards when received; losses are not set off, and surcharge and the section 87A rebate are not counted. The 1% TDS on the sale is claimed back against your tax, so it is not a cost here. For the rewards alone, use the Staking Rewards Calculator.

How it is calculated

The coins you bought gain or lose with the price; the rewards are worked out as on the Staking Rewards Calculator, each month’s valued at that month’s price on an even path from the start price to the sell price. Everything is sold at the end.

  • Price gain = coins × (sell price − buy price)
  • Rewards = coins × ((1 + net APR ÷ n)n × years − 1), with net APR = APR × (1 − commission)
  • Sale = (coins + rewards) × sell price × (1 − sale fee)
  • Tax = 30% × 1.04 on the price gain + slab × 1.04 on rewards when received + 30% × 1.04 on any rise in rewards by the sale
  • Profit after tax = sale − coins × buy price − tax
  • Just holding = coins × sell price × (1 − sale fee) − coins × buy price − 30% × 1.04 on the price gain

Frequently asked questions

Short answers on what staking adds to a trade, and how India taxes it.

The profit on the whole trade: the coins you bought, the rewards from staking them, and the sale, after tax and fees. Buy 100 coins at ₹12,000, stake them for a year at a 7% APR restaked daily, starting at ₹15,000, and sell everything at ₹18,000 with a 0.2% fee. The coins gain ₹6,00,000, the 7.25 rewards are worth ₹1,30,502, and after ₹2,27,917 in tax and ₹3,861 in fees you keep ₹4,98,724: 41.56% on the ₹12,00,000 you paid.

Usually, if the coins would sit in your wallet anyway. In the example above, just holding leaves ₹4,09,200, so staking adds ₹89,524 after tax. Against that, staked coins can take days or weeks to unstake, a validator can be slashed, and coins on an exchange or DeFi platform carry its risk. Staking adds the most when the price holds up; the table shows the gap at other sell prices.

In parts. The gain on the coins you bought is taxed under section 115BBH at a flat 30% plus 4% cess, with only the buy price deducted, so the exchange fee does not reduce it. The rewards are usually taxed when received, at your slab rate plus cess, on their value that day, and any rise in their value by the time you sell is taxed at 30% plus cess. A loss on either cannot be set off against the other or carried forward. The exchange deducts 1% TDS on the sale, which you claim against your tax. This is the usual reading, as no section is written for staking; check with a tax professional.

The price at which the whole trade leaves you with nothing gained or lost after tax and fees. In the example it is ₹11,486, below the ₹12,000 you paid, because the rewards make up part of a fall. Just holding needs ₹12,035, a little above the buy price, to cover the fee.

Then the rewards soften the loss but rarely cover it, and they can even cost tax. In the example, selling at ₹9,000, a quarter below the buy price, loses ₹2,62,611 after tax and fees, against ₹3,01,800 from just holding. The rewards are taxed at your slab when received, at the higher prices on the way down, and the fall in their value by the sale cannot be set off.

The Staking Rewards Calculator works out only the rewards: what staking earns and the tax on it. This one adds what you paid for the coins and what you sell them for, so it shows the profit on the whole trade, the price that breaks even and what staking adds over just holding. To compare rates, the Crypto Compound Interest Calculator converts an APR to an APY.

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