Crypto Savings Calculator
Calculate how much your crypto can earn through staking, yield, and compound interest.
💰 Enter Your Savings Plan
How to Use the Crypto Savings Calculator
1. Choose Your Asset
Select the cryptocurrency you are saving or staking. This provides price context and helps you think in terms of both USD and coin amounts.
2. Set Your Plan
Enter your initial deposit, monthly contribution, and the APY offered by your staking platform or savings account. Common staking APYs range from 3% to 20%.
3. See Your Future Balance
The calculator shows your projected balance, total contributions, and total interest earned over time — broken down by year. Try adjusting the compounding frequency to see the effect.
Compound Interest Formulas
FV = P(1+r/n)^(nt) + PMT × ((1+r/n)^(nt) - 1) / (r/n)
Where P = initial deposit, PMT = monthly contribution, r = annual rate (decimal), n = compounding periods/year, t = years
Effective APY = (1 + r/n)^n - 1
The more frequently interest compounds, the higher your effective annual yield — even with the same nominal rate.
Years to Double = 72 / APY%
At 5% APY, it takes ~14.4 years to double. At 12% APY, it takes ~6 years. This is a quick mental shortcut — use the calculator for precise projections.
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Frequently Asked Questions
How do I calculate crypto savings growth?
Crypto savings growth uses the compound interest formula: A = P(1 + r/n)^(nt) + PMT × ((1 + r/n)^(nt) - 1) / (r/n), where P is your initial deposit, r is the APY, n is compounding periods per year, t is years, and PMT is your monthly contribution. Our calculator handles all these variables automatically.
What is the difference between APR and APY in crypto?
APR (Annual Percentage Rate) is the simple interest rate without compounding. APY (Annual Percentage Yield) includes the effects of compounding. For the same stated rate, more frequent compounding yields a higher effective APY. Our calculator uses APY and shows the true growth including compounding effects.
How often is crypto staking interest compounded?
Compounding frequency varies by platform and protocol. Some platforms compound daily (like crypto savings accounts on exchanges), others compound weekly or per epoch (common in Proof of Stake). The more frequent the compounding, the higher your effective yield. Use our calculator to compare different compounding frequencies.
What is the best crypto for staking and earning yield?
Popular choices include Ethereum (3-5% APY with low risk), Solana (6-8% with ~2-day cooldown), Cosmos (15-20% with 21-day unbonding), and Polkadot (12-16% with 28-day unbonding). Higher APYs generally come with higher volatility, longer lock-up periods, or additional protocol risk. See our Staking Calculator for per-coin details.
Is crypto staking passive income taxable?
In most countries, yes. Staking rewards are generally treated as taxable income at their fair market value when received. When you later sell the staked coins, any appreciation is taxed as capital gains. Use our Tax Calculator for US-specific estimates.