Crypto Staking Break-Even Calculator
Find how long staking rewards take to cover hardware and running costs.
Please note: Not financial advice. Staking carries risk of loss including slashing penalties, lock-up periods and price volatility. Reward rates change and are not guaranteed.
What the Crypto Staking Break-Even Calculator does
Staking pays rewards in coins while hardware and electricity are paid in fiat, so profitability depends on both the reward rate and the coin price. Break-even is the point where accumulated net rewards cover the up-front setup cost.
Formula
Annual rewards = Stake × APR × (1 − Commission)Net annual profit = Rewards × Price − Running costsBreak-even months = Hardware cost ÷ Monthly net profitEffective APR = Net annual profit ÷ Value staked
Inputs explained
| Input | Unit | Required | Notes |
|---|---|---|---|
| Amount staked | number | Yes | In coins, not fiat. Accepts more than 0. |
| Coin price | selected currency | Yes | Accepts more than 0. |
| Staking APR | % | Yes | — |
| Hardware and setup cost | selected currency | Optional | Accepts 0 or more. |
| Running cost per month | selected currency | Optional | Electricity, internet, hosting. Accepts 0 or more. |
| Pool or operator commission | % | Optional | — |
| Months to project | number | Optional | Accepts 1 or more, up to 120. |
| Currency | one of 10 options | Optional | — |
How to use it
- Choose Currency.
- Enter Amount staked, Coin price and Staking APR.
- Optionally add Hardware and setup cost, Running cost per month and Pool or operator commission.
- Select Calculate.
Worked example
Staking 32 coins at 2,500 each on a 4% APR, with 1,500 of hardware and 30 a month running cost.
- Stake
- 32
- Price
- 2,500
- APR
- 4%
- Hardware
- 1,500
- Monthly
- 30
1.28 coins a year, worth 3,200. Less 360 of running costs that is 2,840 net, or 236.67 a month — so the hardware pays back in 6.3 months, at an effective APR of 3.55%.
Frequently asked questions
Why is the effective APR lower than the headline rate?
Because running costs are paid in fiat out of the same rewards. A 4% headline on 80,000 staked becomes 3.55% once 360 a year of electricity and internet is deducted.
What happens if the coin price falls?
Rewards are earned in coins, so their fiat value falls with the price while the bills stay the same. The calculator shows the price at which rewards stop covering running costs.