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Staking rewards calculator

See how much you could earn by staking your crypto. Compare 11 coins and 52+ providers side by side.

💡 New to staking? Here's how it works

Staking means locking up your crypto to help secure a blockchain network. In return, you earn rewards — similar to earning interest in a savings account.

Annual rate (APR) is the yearly percentage you earn before any fees. A 6% APR on 100 coins means ~6 extra coins per year.

Commission is the fee the staking provider takes from your rewards. If the network pays 6% and the provider takes 10% commission, you keep 5.4%.

Liquid staking gives you a token representing your staked coins. You can use or sell this token without waiting to unstake.

= price unavailable
AssumptionsAPR snapshot 2026-04-01·Compounding monthly·Excludes slashing risk, withdrawal delays, validator commission changes·Yields are estimates, not guaranteesLive yields: These live figures are paused while ChainChoice asks DefiLlama for written approval to show them.
🏆 Best earnings
2.57%per yearEst.
with StakeWise
💰 You could earn
price unavailable
0.2600 ETH in 1 year
⚖️ Choosing right matters
ETH price unavailable
Snapshot price · Powered by CoinGecko

Ethereum staking options

Ranked by how much you'd earn. Hover type badges for explanations.

Snapshot
Highest earnings
💧 Liquid
You earnEst.
2.57%
Fee
5%
Earnings (1Y)
price unavailable
Can trade?
Yes
StakeWise Fees page (docs.stakewise.io, fetched 2026-09-30) describes two layers. The Vault fee "is a percentage fee charged by Vault operators on staking rewards" and "can range from 0% to 100%" (the page's examples: "5%, 4.2%, 100%, 3.5%"); "The StakeWise DAO does not charge Vault creators or stakers for using Vaults." Holders of osETH pay a second fee on top: "StakeWise DAO charges a 5% fee on the rewards accumulated by osETH". The page's own worked example: a 5% Vault fee plus the osETH fee turns 0.4 ETH of rewards into "0.361 ETH". Unstaking carries no fee, but "Assets cannot be claimed until 15 hours after you entered the queue" (Risks page). Ethereum gas applies.· Min: 0.01 ETH
🏦 Exchange
You earnEst.
2.5%
Fee
7.5%
Earnings (1Y)
price unavailable
Can trade?
Yes
Binance ETH Staking page (read 2026-09-30 through a rendering browser from a German IP; plain requests get an HTTP 202 challenge): "A 7.5% commission fee on the reward is charged to ensure the product is sustainable." Rewards "are distributed to Binance ETH Staking users on a T+1 day basis after the rewards are generated on chain." Exit: "Redeem WBETH for ETH." — the page states no duration or fee for it on this read, and "staking/redemption feature is paused in the period when the WBETH:BETH conversion rate is being updated" (daily, 23:45 - 00:15 UTC). The August note's five-day settlement is not restated on the page read today. Requires a verified Binance account in a market where the product is offered.
💧 Liquid
You earnEst.
2.43%
Fee
10%
Earnings (1Y)
price unavailable
Can trade?
Yes
"Lido charges a protocol fee (currently 10%) on the rewards accumulated by the staked ETH underlying the protocol." — Lido protocol-fee page, fetched 2026-09-30. Its module table gives stakers "90%" of rewards in every staking module; the other tenth is split between node operators and the DAO in proportions that differ by module. "The protocol fee is waived during periods of negative net rewards, when Consensus Layer penalties exceed earned rewards." Neither the protocol-fee page nor the withdrawals page names a deposit or exit fee: the native exit is the FIFO Withdrawal Queue, where "The maximum withdrawable ETH amount matches the stETH provided for redemption and cannot exceed this amount." Ethereum gas applies.· Min: 0.01 ETH
🏦 Exchange
You earnEst.
2.43%
Fee
10%
Earnings (1Y)
price unavailable
Can trade?
No
Coinbase cbETH page (read 2026-09-30 through a rendering browser; plain requests get HTTP 403): "Earn competitive staking rewards on cbETH with a simple 10% commission and no lockups." and "Wrap your staked ETH to cbETH with just a few steps and zero fees. You can unwrap at any time." The page's footnote defers to the help centre, whose fee page gives the in-app staking rate, not a cbETH rate: "Our standard commission is 35% for ADA, ATOM, AVAX, DOT, ETH, MATIC, SOL, and XTZ." (Coinbase One tiers: "31.75%", "28.5%", "25.25%"). So ETH staked inside a Coinbase account and left unwrapped pays the 35% standard rate, while the cbETH receipt accrues net of the 10% commission; on-chain, cbETH's conversion rate grew faster than wstETH's over the last 30 and 90 days (worked comparison, not a Coinbase figure). Exit: unwrap free to staked ETH, then a standard unstake with "no fee for unstaking your assets if you wait for the full unbonding period", an instant unstake at a fee "disclosed at the time you request to unstake", or a market sale of cbETH.
💧 Liquid
You earnEst.
2.43%
Fee
10%
Earnings (1Y)
price unavailable
Can trade?
Yes
On-chain, read 2026-09-30: the swETH contract (0xf951E335afb289353dc249e82926178EaC7DEd78) returns swellTreasuryRewardPercentage() = 0.05e18 and nodeOperatorRewardPercentage() = 0.05e18, i.e. 5% of staking rewards to the Swell treasury and 5% to node operators — 10% combined (worked sum of the two contract values). Swell's Fee Flow post (6 March 2026) says the treasury share is auctioned for SWELL and burned: "Revenue accrues in swETH and rswETH from Swell’s staking products." and "Every 14 days, accumulated fees are sold through a Dutch auction." No page read describes the bonus-point incentives the August note mentioned. Native exit is the swEXIT withdrawal NFT, with a minimum of 0.005 ETH and a maximum of 500 ETH per request (on-chain). Swell's documentation site sits behind a Cloudflare challenge. Ethereum gas applies.· Min: 0.01 ETH
💧 Liquid
You earnEst.
2.43%
Fee
10%
Earnings (1Y)
price unavailable
Can trade?
Yes
Stader Fees page (stader.gitbook.io, fetched 2026-09-30): "A total of 10% is deducted from the rewards generated through staking." Of that, "5% is allocated as a protocol fee" and "The remaining 5% is provided to the node operators as the node operator commission." "Stader does not charge any deposit/custody fees for users staking on the Stader dApp." and "Stader does not charge any additional transaction fees for staking on the Stader dApp." Network gas applies. Native unstake on Ethereum is fee-free and "Unstake requests are processed within 7-10 days, subject to entry and exit queue on the Ethereum network" (Withdraw page); ETHx on Arbitrum One has no native unstake and must be swapped on a DEX or bridged back first.· Min: 0.01 ETH
💧 Liquid
You earnEst.
2.43%
Fee
10%
Earnings (1Y)
price unavailable
Can trade?
Yes
Frax Ether overview (docs.frax.finance, fetched 2026-09-30): "10% of the income is retained, with 8% as a protocol fee for the benefit of the Frax Ecosystem and FXS holders, and 2% for an insurance fund." Only sfrxETH earns; the frxETH page says "Holding frxETH on its own is not eligible for staking yield". Native exit is the frxETH Redemption Queue, which the docs describe as converting "frxETH to ETH 1-to-1 without fees or slippage". On-chain at block 26086354 the queue in use (0x82bA8da44Cd5261762e629dd5c605b17715727bd) gives new tickets a 30-day wait (queueLengthSecs 2592000) with no redemption fee; cancelling a ticket back into frxETH early costs 0.5% (earlyExitFee 5000 at 1e6 precision). The V2 queue contract listed in the docs is set to a 1,000-day wait and is not in use. Ethereum gas applies.· Min: 0.01 ETH
💧 Liquid
You earnEst.
2.32%
Fee
14%
Earnings (1Y)
price unavailable
Can trade?
Yes
Rocket Pool Saturn 1 page (docs.rocketpool.net, fetched 2026-09-30): the Universal Adjustable Revenue Split pays "base commission share to node operators (5%)" and "voter share rewards for RPL stakers (9%)", with "pDAO share to the protocol treasury (0%, can be adjusted via governance)", and "rETH holders receive the remainder". Worked example, not a page figure: 5% + 9% + 0% = 14% of the rewards earned on rETH-backed ETH, so rETH holders keep 86% at today's settings; "Each share is adjustable via pDAO governance" The node bond fell "from 8 ETH to 4 ETH" per validator with megapools. Neither the Saturn 1 page nor the liquid-staking overview names a mint or burn fee; a native burn needs ETH in the pool (see redemption), otherwise the exit is a DEX sale.· Min: 0.01 ETH

Lending & borrowing

Earn interest by lending your crypto, or borrow against it.

Lending and borrowing rates by platform
PlatformTypeEarn (supply)Borrow costNote
VenusCeFiUp to 16%VariableVenus takes no deposit, withdrawal or curator fee on a direct Core supply; the protocol's take is each market's reserve factor. The Interest Rate Model page (https://docs-v4.venus.io/risk/interest-rate-model, fetched 28 September 2026) defines it inside the supply-rate formula - "For those models, if r_b is the borrow rate per slot and f is the reserve factor" - and states that it publishes no per-market value: "This is a model-selection overview, not a per-market configuration registry." The live values are API fields, not page text: https://api.venus.io/markets?chainId=56 on 28 September 2026 returned reserveFactorMantissa of 0.1 for USDT and USDC, 0.2 for ETH and 0.3 for BTCB and BNB, the largest BNB Core markets by borrows. The sentence this note carried until now (the old glossary definition of the reserve factor) is no longer on that page, which was rewritten about a month before this read.
SparkCeFiUp to 16%VariableSparkLend's stablecoin reserves price off the Sky Savings Rate (SSR) plus a fixed spread up to the kink, and suppliers receive the borrow interest less a 10% reserve factor; there is no deposit or curator fee. The 10 September 2026 spell proposal (https://forum.skyeco.com/t/september-10-2026-proposed-changes-to-spark-for-upcoming-spell/28208, posted 31 August 2026, fetched 28 September 2026) reads the rate on-chain at Ethereum block 25,861,675 (29 August 2026): "getVariableRateSlope1() returns 3.9594644783474038423088%, which equals the SSR of 3.4594644783474038423088% plus the 0.50% spread exactly." For USDT, the largest reserve, it cuts that spread "from 0.005e27 (+0.50%) to 0.001e27 (+0.10%)" and states the effect: "The borrow rate at the kink falls from 3.9595% to 3.5595%" and "At 95% utilisation and a 10% reserve factor that is a supply rate of about 3.04%"; at the time of posting "The live borrow rate is 3.4824% and the live supply rate 2.6186%." The same post gives the other stablecoin curves: "USDC runs a 98% kink with a +1.00% spread". These are SSR-linked and move with every SSR change and with utilisation; they are not a fixed price. The 2 July 2026 SSR figure this note previously carried is superseded.
MorphoCeFiUp to 16%VariableA Morpho depositor's cost is the vault curator's fee. The Vault V2 page (https://docs.morpho.org/learn/concepts/vault-v2/, fetched 28 September 2026) caps it: "Supports both a performance fee (up to 50% on yield) and a management fee (up to 5% on total assets)." Live values are API fields, not page text: https://api.morpho.org/graphql on 28 September 2026 returned performanceFee 0 and managementFee 0.009999999973584 on Paypal USD Main, 0.1 and 0 on Sentora RLUSD Main, and 0.15 and 0 on Sentora PRIME Main - three of the four largest Ethereum Vault V2s. On all three the setPerformanceFee and setManagementFee timelocks read 0 seconds, so the curator can change the fee without notice. Supply rates float with each market's AdaptiveCurveIRM, so no fixed APY is quoted.
Euler V2CeFiUp to 16%VariableEuler charges no protocol fee today; a supplier's cost is the vault-level interest fee a curator or governor sets. The Interest Rates page (https://docs.euler.finance/learn/interest-rates, fetched 28 September 2026) states: "Euler does not currently charge protocol fees. In April 2026, Fee Flow was turned off and Euler protocol fees were set to 0% across live and future deployments. The DAO can reintroduce protocol fees through future governance." and "Curators and vault governors can still configure vault-level fees where supported by the vault. For EVK vaults, the interestFee parameter can allocate a portion of borrower interest to the configured fee receiver." It adds that "EVK interest fees are denominated in vault shares." Per-vault interestFee values are Data API fields, not page text, and vary by vault; supply and borrow rates float with each vault's own IRM, so no fixed APY is quoted.
Kamino LendCeFiUp to 16%VariableKamino charges borrowers no account fees; the cost is interest plus any liquidation penalty, and lenders give up a protocol spread. The Borrow fees page (https://kamino.com/docs/products/borrow/fees, fetched 28 September 2026): "There are no deposit fees, withdrawal fees, or origination fees on Kamino Borrow." and "The only costs to borrowers are interest on outstanding debt and, if applicable, liquidation penalties on unhealthy positions." The same page prints a protocol-spread table ("SOL SOL/BTC Market 11%", "USDC SOL/BTC Market 15%", "USDT SOL/BTC Market 15%") that the live protocol does not match: Kamino's own API on 28 September 2026 returned protocolTakeRate 0.15 for SOL, 0 for USDC and 0.1 for USDT in the SOL/BTC Market. Treat the table as out of date. Rates float on each reserve's curve, so no fixed APY is quoted.
CompoundCeFiUp to 16%VariableCompound III charges no subscription, listing or curator fee; the protocol's take is the spread between separate supply and borrow curves that governance sets. The Interest Rates page (https://docs.compound.finance/interest-rates/, fetched 28 September 2026): "Users with a positive balance of the base asset earn interest, denominated in the base asset, based on a supply rate model; users with a negative balance pay interest based on a borrow rate model. These are separate interest rate models, and set by governance." Compound publishes the size of that spread only per proposal on its forum. For the Ethereum WETH Comet, Gauntlet's 5 August 2026 post (https://www.comp.xyz/t/ethereum-weth-comet-borrow-rate-irm-updates/7999, fetched 28 September 2026) states "Compound v3 has no reserve factor parameter" and prints the implied reserve factor as "0.00%" at the kink and "10.00%" at full utilisation, adding "The comet currently retains none of the interest borrowers pay at its optimal utilization." Comets being wound down are repriced by the same route: a 2 September 2026 forum proposal sets the Ethereum wstETH Comet's supply rate to zero ahead of deprecation. Live per-market APYs are on-chain only, so no APY is quoted.
Fluid (Instadapp)CeFiUp to 16%VariableFluid's guides publish no fee schedule for lenders or borrowers; the costs are the floating rate and, if liquidated, a per-vault liquidation penalty. The Liquidity Layer page (https://fluid.guides.instadapp.io/liquidity-layer/unifying-liquidity, fetched 28 September 2026) states: "Fluid boasts the most advanced liquidation mechanisms, with penalties as low as 0.1%." The live penalties and rates are API fields, not page text: https://api.fluid.instadapp.io/v2/borrowing/1/vaults on 28 September 2026 returned liquidationPenalty 10 basis points (the 0.1% floor) on the wstETH/ETH vault (id 13) and 100 basis points on the ETH/USDC (id 11) and ETH/USDT (id 12) vaults, with borrow rates of 243, 584 and 567 basis points and a vault feeRate of 0 on all three. Rates float with utilisation, so no fixed APY is quoted.
AaveCeFiUp to 16%VariableAave charges no deposit or curator fee; suppliers earn borrower interest net of each reserve's reserve factor, and both rates float on a two-slope utilisation curve. The Interest Rate Strategy page (https://aave.com/docs/aave-v3/smart-contracts/interest-rate-strategy, fetched 28 September 2026): "Implements the calculation of the interest rates depending on the reserve state. The model of interest rate is based on two slopes" around the OPTIMAL_USAGE_RATIO kink. Aave's docs carry no live values (https://aave.com/docs/resources/parameters still shows only an SDK pointer); the numbers are published per change on the governance forum. LlamaRisk's Risk Steward post of 28 September 2026 (https://governance.aave.com/t/risk-stewards-cap-and-irm-changes-on-aave-v3-2026-09-28/25718) gives USDT on Aave V3 Core: "At the current 92.8% utilization, the post-change variable borrow rate would be 4.34% APR, down from 4.39% under the current IRM, and the supply rate would be 3.63% APR, down from 3.67%." It also states the protocol's take on one asset: "the 25% reserve factor that applies to USDe on all five reserves". Rates reprice every block with utilisation; these are point-in-time figures, not a quote.

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Earnings are estimates based on current network rates and provider fees — actual returns will vary. Staking involves risk: your coins may be locked for a period, and penalties can occur in rare cases. Prices from CoinGecko (snapshot). Not financial advice — for informational purposes only. Always verify details with the provider before staking.