Crypto Compound Interest Calculator

How to use the Crypto Compound Interest Calculator

1. 1Enter your Starting amount (in USD).
2. 2Enter your Monthly contribution (in USD).
3. 3Enter your Annual rate (in %).
4. 4Enter your Years.
5. 5The result and full breakdown update instantly — no signup, no waiting, and your numbers never leave your browser.

About the Crypto Compound Interest Calculator

Project the growth of your crypto with compound interest and optional recurring contributions over any number of years. It's a free tool in our mining & staking tools collection on TheCryptoTools, runs entirely in your browser, and works on mobile. If you found it useful, try Crypto APY Calculator, Crypto Staking Rewards Calculator and Crypto Lending Calculator.

Compounding in crypto is not compounding in a savings account

In a bank the rate is fixed and the currency is stable, so a projection like the one above is the whole story. In crypto the “interest” comes from staking, lending or providing liquidity at rates that float from week to week, and it is paid in the same token you already hold. So this projection assumes a steady rate and quietly ignores the variable that usually decides the outcome: the token’s own price. An 8% yield compounded for five years is erased by a single 40% drawdown in the asset, and no compounding frequency changes that.

APR vs APY — the number crypto platforms blur

Most crypto yields are advertised as APY, which already contains the effect of compounding. Enter an APY here and then let it compound monthly and you double-count. If your platform quotes APR — the flat rate before compounding — then monthly compounding is right and APY is what you actually end up with. The gap grows with the rate: 12% APR compounded daily is about 12.7% APY; 100% APR is about 171%. Enter APR and let the tool compound it, or enter the APY directly and treat the rate as the final number.

Realistic crypto yield ranges — a starting point, not a promise

• ▸Proof-of-stake staking: roughly 2–8% a year, depending on the chain and how much of the supply is staked network-wide.
• ▸Stablecoin lending on major platforms: roughly 4–12% — but that rate is the platform’s promise, not the protocol’s, and platforms have failed.
• ▸Liquidity provision and yield farming: often quoted at 20%+, but the headline ignores impermanent loss and decaying token emissions — read it as gross, not net.
• ▸“Too good” tiers of 50%+: almost always subsidised by token emissions that fall over time, or a risk you are being paid to take. Model them if you like, but do not plan around them.

The honest way to use this: run a conservative rate you would actually accept, then run an optimistic one, and treat the two results as a range rather than a target. And judge any crypto yield on total return in dollars — where, more often than not, the token price matters more than the rate you compounded.