Staking Yield APY Monthly Calculator

How staking APY translates to monthly yield

APY is the annualized return once compounding is factored in. The monthly figure works out to (1 + APY)^(1/12) − 1. People often reach for APY/12 instead, but that gives you APR. Take ETH staking at 4% APY on 32 ETH: it comes to roughly 0,3275% a month, or about 0,1048 ETH/month once you compound. For context, reference rates after the Merge (Sep 2022) ran around 3-5% APY on Ethereum, 5-7% on Solana, 3-4% on Cardano, and 10-14% on Polkadot. Lido stETH (a liquid staking derivative) pays a touch under the native rate, since Lido keeps a 10% protocol fee. What you get back is liquidity: the token stays usable as DeFi collateral.

Applications

It earns you something on crypto that would otherwise sit idle, no selling required. In DeFi yield farming you can stack staking, lending, and LP rewards together and compound several APYs at once. Then there's RWA tokenization, where tokenized treasuries (Ondo, Maple, Centrifuge) pay 4-5% APY in stablecoin equivalent, which you can line up directly against BRL CDI or US T-Bill yields.

FAQ

APR vs APY — what is the difference? APR is simple interest, just the monthly rewards added up. APY assumes you put each reward back to work. So at 5% nominal compounding each month, APR comes to 60% while APY lands near 79,6%.

Is staking risk-free? It isn't. A validator that misbehaves can get slashed and lose part of its stake. Smart contracts get exploited (Lido has been audited, but no audit makes it invincible). The token can lose value in BRL. And you may be locked up for a while: a few days on ETH, 21 days on Cosmos.

Is BRL income tax due on staking? It is. Receita Federal treats it as variable income, or other earnings. Once your crypto sales pass R$ 35k/month, the 15-22.5% capital gains rate kicks in, and staking rewards get taxed at the point they're realized.