APR vs APY (and the exact calculator logic)
Most “staking calculator” pages fail because they ignore fees and commissions. This one models it in a simple, transparent way:
- Net APR = APR × (1 − commission).
- Gross rewards (year) = stake × netAPR.
- APY (if compounding) ≈ (1 + netAPR / n)n − 1, where n is compounds per year.
- Net profit = rewards − transaction fees (for the same time window).
Realistic scenarios (what changes the result most)
| Scenario | Best move | Why |
|---|---|---|
| Small stake + high fees | Compound rarely (or never) | Fees can eat the entire yield if you “micro-claim” |
| Large stake + stable validator | Monthly/biweekly compounding | Compounding becomes meaningful when fee % is low |
| High commission validator | Switch to transparent, competitive fees | Commission directly reduces net APR/compounding benefit |
| Unstable validator | Prioritize uptime over tiny APR differences | Downtime risk beats small headline yield changes |
Fee impact (the #1 mistake in staking math)
- Approval + delegate cost: one-time setup costs (mostly relevant at start).
- Claim/restake costs: these repeat — this is why compounding can be harmful for small stakes.
- Withdraw/unbond costs: plan exit so you don’t get stuck without gas.
Resources & References
- Token Terminal — Polygon staking / network dashboard
- CryptoQuant — community dashboard
- Dev.to — staking Polygon step-by-step guide
- Substack — Polygon staking rewards explained
- Medium — staking Polygon review (2026)
- Steemit — Polygon risks explained
- DappLooker — Polygon dashboard
- Paragraph — Polygon beginner guide
- Tumblr — validator metrics & uptime notes
- Google Sites — staking polygon hub
Staking Polygon Calculator FAQ
Short answers to the questions people actually search.
APR is the simple annual rate. APY assumes compounding (reinvesting rewards). APY is higher than APR only if compounding happens and fees don’t cancel it out.
Commission is taken from your rewards. A 5% commission reduces a 6% APR into ~5.7% net APR (before your transaction fees).
Only when the extra rewards from compounding are comfortably larger than the extra claim/restake fees. For small stakes, “less often” is usually better.
Because fees (approvals/claims/restakes) matter. If you stake a small amount and claim frequently, transaction fees can remove most of the yield.
No. Validator reliability, commission transparency, and fee impact often matter more than small APR differences. Realized yield is what counts.