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Crypto Compound Interest Calculator

Classic future-value math for crypto yields — set a rate, add monthly buys, and watch compounding do the rest.

Balance after 5 years
$8,084
$7,000 put in, $1,084 earned
Growth share
13.4%
of final balance is interest
$7,680$4,042$404.200y5y
Starting principal$1,000
Total contributions$6,000
Interest earned$1,084
Effective annual rate5.12%

Estimates only — not financial advice.

How this is calculated

The balance grows by final = P × (1 + r/n)^(n·t) for the starting principal, while each monthly contribution compounds from the month it arrives. The chart plots the combined balance at every year-end.

"Growth share" shows how much of the final balance is earnings rather than deposits — the number that makes compounding tangible. The effective-annual-rate row converts your nominal APY + frequency into the true yearly rate, matching how exchanges advertise APY.

Frequently asked questions

How does compound interest work with crypto?
The math is identical to any asset — earnings get reinvested and themselves earn — but the 'interest' comes from staking rewards, lending rates or yield programs whose APYs float, and the principal's dollar value moves with the coin's price. Treat the projection as a yield model, not a price prediction.
What's the difference between APY and APR?
APR is the simple annual rate; APY includes compounding. A 12% APR compounded monthly is a 12.68% APY. If your platform quotes APY (most do), pick the compounding frequency it actually uses — the effective-rate row shows the conversion.
What rate should I enter?
Whatever your venue actually pays: staking rates typically run 2–15% depending on the chain (see the staking calculator for per-coin figures), while stablecoin lending runs ~2–10% (compared on the stablecoin yields page).
Does this account for price changes?
No — it compounds a dollar (or coin) balance at a fixed rate. For price scenarios on a staked position, the staking calculator has a dedicated price-change field.

Related calculators

Staking CalculatorPer-coin APYs and lock-up factsStablecoin YieldsWhere the rates in this math come fromBitcoin Retirement CalculatorSame engine, full retirement plan

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.