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NEAR Protocol Staking Calculator

Pre-filled with a typical NEAR APY of 4.8% — adjust everything to match your platform.

Rewards after 1 year
0.490702 NEAR
≈ $0.93 at today's price
Effective APY
4.9%
nominal 4.8%
Rewards per day (year 1)0.00134439 NEAR · $0.002554
Rewards per month (year 1)0.0408918 NEAR · $0.08
Rewards per year0.490702 NEAR · $0.93
Total at end10.4907 NEAR · $19.93
NEAR price used$1.90 (cached)

Data as of Jul 11, 2026APY last verifiedJul 11, 2026

Estimates only — not financial advice.

How this is calculated

Rewards compound with the standard formula final = principal × (1 + APY/n)^(n × years), where n is your compounding frequency (choose "no compounding" for simple interest). Dollar values multiply coin amounts by the live NEAR price; the optional price-change field revalues the final position, not the yield itself.

The pre-filled APY is an indicative native-staking rate (4–5.5% range, verified 2026-07-11) — actual rates float with network participation, and platforms take commissions. Sources and update cadence are on the methodology page.

NEAR Protocol staking facts

Unbonding period
~2–3 days (4 epochs)
Minimum stake
No practical minimum
Compounding
auto (rewards restaked each epoch by default)
  • NEAR rewards auto-compound each ~12-hour epoch unless you withdraw them.
  • Unstaking takes 4 epochs (~2–3 days) before tokens become withdrawable.
  • Validator fees on NEAR are often higher than Cosmos-style chains — compare before delegating.

Frequently asked questions

Is staking taxed?
In most tier-1 jurisdictions, staking rewards are taxed as income at their market value when received, and again as capital gains when you later sell. Details differ by country — see how staking rewards are taxed and the tax calculator.
Can you lose money staking?
Yes, three ways: the coin's price can fall more than the yield earns; validators can be slashed or underperform; and during the ~2–3 days (4 epochs) you can't sell into a crash. APY is a reward rate, not a guarantee of profit.
Why does my exchange quote a different NEAR APY?
Exchanges take a commission (often 15–35% of rewards) and sometimes cap promotional tiers, so their net rates usually sit below native delegation rates. This page pre-fills a typical native rate — override the APY field with whatever your platform quotes.
What's the difference between nominal APY and effective APY?
Nominal is the quoted rate; effective includes compounding at your chosen frequency. Rewards that auto-compound daily or per-epoch produce a slightly higher effective yield than the same nominal rate paid once a year.

Related calculators

Compound Interest CalculatorSame math with monthly contributionsStablecoin YieldsCompare non-volatile yield optionsCrypto Tax CalculatorRewards are usually taxable income

Disclaimer: This tool provides educational estimates only — it is not financial, investment, or tax advice. Crypto assets are volatile; past performance does not guarantee future results. See our methodology and full disclaimer.