Staking Rewards Calculator

Work out what staking a coin earns: the rewards in coins and rupees, the validator’s cut, India’s tax on them, and what you keep.

Your stake
Staking terms

Optional: only if the APR is before it.

How often rewards are added to what you stake.

Time, price and tax

Optional: blank keeps today’s price.

New-regime slab your income reaches; rewards are taxed at it when received.

Your staking rewards

Enter the coins you stake, today’s price, the APR and how long you stake, then choose Calculate. Your figures appear here.

Rewards Earned

0 coins

After the validator’s commission

Rewards Value

₹0.00

At the price at the end

Commission

₹0.00

Kept by the validator

Tax on Rewards

₹0.00

When received, and when sold

Your Stake at the End

₹0.00

Coins staked plus rewards

Rewards After Tax

₹0.00

What staking leaves you

At a steady APR, with each month’s rewards valued at that month’s price on an even path to the end price. Tax is at your slab plus 4% cess when received, and 30% plus cess on any gain when sold at the end price; surcharge, the section 87A rebate and tax on the coins you staked are not counted. Networks and platforms change their rates, so check yours. To see the tax on selling the coins you staked, use the Bitcoin Tax Calculator.

How it is calculated

Rewards are worked out from the APR after the validator’s commission, compounded as often as they are restaked. Each month’s rewards are valued at that month’s price, moving evenly from today’s price to the price you expect at the end.

  • Net APR = staking APR × (1 − commission)
  • Stake after t years = coins × (1 + net APR ÷ n)n × t, restaked n times a year; or coins × (1 + net APR × t) if not restaked
  • Rewards = stake at the end − coins staked
  • Tax when received = value of each reward when received × your slab rate × 1.04 (cess)
  • Tax when sold = (value at the end − value when received) × 30% × 1.04, if it is a gain
  • Rewards after tax = rewards × end price − tax when received − tax when sold

Frequently asked questions

Short answers on staking rewards, APR and APY, and how India taxes them.

What staking earns you, in coins and in rupees, and what is left after tax. Stake 100 coins worth ₹15,000 each at a 7% APR, restaked daily, for a year: you earn 7.25 coins, worth ₹1,08,751 at today’s price. If you are in the 30% slab, tax when you receive them comes to ₹33,930, so ₹74,821 is left, about 4.99% on what your stake is worth today.

APR is the yearly rate without compounding. APY counts the rewards earned on earlier rewards when they are restaked, so it is higher: 7% APR restaked daily is a 7.25% APY, and monthly a 7.23% APY. Some networks restake rewards for you, others pay them out to claim and stake again. The Crypto Compound Interest Calculator converts any APR to APY.

The share of your rewards a validator, staking pool or exchange keeps for running the node. It is usually between 0% and 20%, and some exchanges take more. Check whether the APR you see is before or after it: wallets often show the network rate before commission, while exchanges usually quote what you get. Enter the commission only if the APR is before it. At 10% commission, a 7% APR becomes 6.3%.

There is no section written for staking, so the usual reading is in two steps. When you receive rewards, their value in rupees that day is income from other sources, taxed at your slab rate plus 4% cess. When you later sell or swap them, section 115BBH taxes the gain over that value at a flat 30% plus cess; a loss cannot be set off against anything or carried forward, and the exchange deducts 1% TDS on the sale. Some advisers tax rewards only when sold, at 30% on their full value. Rules on liquid staking tokens are not settled, so check with a tax professional. The Bitcoin Tax Calculator works out the tax on selling any coin.

Rewards are paid in the coin, so a fall in its price can wipe out a year of them. In the example above, if the price ends the year 20% lower, at ₹12,000, the 7.25 coins are worth ₹87,001, yet you pay ₹30,091 in tax on them, because each month’s rewards are taxed at that month’s higher price, and the ₹9,443 they lose by the end cannot be set off. Your stake of 107.25 coins is worth ₹12,87,001, down ₹2,12,999 on the ₹15,00,000 it was worth. Enter a price for the end to see your own case.

Staked coins are often locked: unstaking can take from a day to several weeks, depending on the network, and the price can move while you wait. A validator that breaks the rules can be slashed, losing part of what is staked with it, so choose a reliable one. On an exchange or a DeFi platform your coins are in its hands, so its failure or a smart-contract bug can cost you more than the rewards earn. New coins issued as rewards also dilute holders who do not stake.

More crypto calculators