Cosmos Staking Calculator
Estimate Cosmos (ATOM) staking rewards over any period. Prefilled with a typical ATOM reward rate and the live ATOM price — edit both to match your validator.
Result
Enter values to see the result.
Using the Cosmos Staking Calculator
This calculator estimates what staking ATOM pays over a period you choose, in both coins and dollars. The reward rate is prefilled at 13% — roughly 12–16% net of commission, falling as more ATOM is bonded — but treat that as a starting point, not a quote: staking rates move with participation and with validator commission, so put in the rate your own validator advertises.
How you stake ATOM: Delegate to a validator from your own wallet — the ATOM never leaves your control. Validators charge a commission with a 5% protocol minimum, and the community pool takes a cut of rewards before they are distributed. Liquidity matters as much as the rate. 21 days to unbond, with no way to shorten it and no rewards earned while the queue runs. Slashing is real: a validator that double-signs is penalised on its entire delegated stake, including yours, so validator choice matters more here than on chains without it. A high advertised rate on a coin you cannot exit quickly is a different product from the same rate on a liquid position, and that difference shows up exactly when you need it — during a sharp drawdown.
Two things the dollar figure cannot tell you. First, rewards are usually taxable as income when you receive them in most jurisdictions, at the value on the day — see the tax guide for your country. Second, ATOM trades well below its previous highs and is unusually sensitive to Hub governance decisions on inflation, which have repeatedly repriced the token's yield story. A 13% yield does not protect you from a price move several times that size, so judge staking on total return, not on the APR alone.
What 13% actually compounds to on ATOM
- Reward rate
- 13% (roughly 12–16% net of commission, falling as more ATOM is bonded)
- First year on 2,000 ATOM
- 260 ATOM
- Monthly-compounded 1y
- 276.06 ATOM
- Compounded 5y
- 1,818 ATOM
At 13% (roughly 12–16% net of commission, falling as more ATOM is bonded), staking 2,000 ATOM pays about 260 ATOM in the first year simple. Compounded monthly that becomes 276.06 ATOM, and left to compound for five years, 1,818 ATOM — the gap widens the longer your ATOM stays put, which is where the lockup matters: 21 days to unbond, with no way to shorten it and no rewards earned while the queue runs. Slashing is real: a validator that double-signs is penalised on its entire delegated stake, including yours, so validator choice matters more here than on chains without it.
Staking is native to Cosmos, so you are securing the protocol directly rather than trusting a wrapper. Rewards arrive in ATOM, so their dollar value rides the price — a 13% yield is no defence against a price move several times that size, so judge the position on total return rather than the headline rate.
Figures are derived from ATOM's own daily closes over the window shown and are bounded by it — not all-time values. Prices move; treat them as context, not a forecast.
Cosmos at a glance
- Launched
- March 2019
- Consensus
- CometBFT (Tendermint) proof-of-stake, instant finality
- Max supply
- No cap — inflation targets a bonded ratio, capped at 10% since 2023
- Block time
- Around 6 seconds
- Unbonding
- 21 days, fixed in the protocol
- Native staking
- Yes — delegate to one of up to 200 active validators
Frequently asked questions
- How much can I earn staking Cosmos?
- At roughly 13% a year, staking 2,000 ATOM earns about 260 ATOM over twelve months before commission. Enter your own amount and rate above for the exact figure, in coins and at the live ATOM price.
- Is my ATOM locked while staking?
- 21 days to unbond, with no way to shorten it and no rewards earned while the queue runs. Slashing is real: a validator that double-signs is penalised on its entire delegated stake, including yours, so validator choice matters more here than on chains without it.
- Are ATOM staking rewards taxed?
- In most countries staking rewards are income at the moment you can access them, valued in your local currency on that date, and then a second capital-gains event when you later sell. A few treat them differently — Germany, for instance, has its own allowance for staking income. Check our tax guide for your jurisdiction.
- How are staking rewards calculated?
- Rewards ≈ amount staked × annual reward rate × (days ÷ 365). This is a simple (non-compounded) estimate.
- APR vs APY for staking?
- APR is the flat annual rate. If you restake (compound) rewards, your effective APY is higher — see the APY calculator.
More ATOM calculators
Free Cosmos (ATOM) profit calculator. Enter your buy and sell price to see ATOM profit, loss, ROI and fees — prefilled with the live ATOM price.
Free Cosmos (ATOM) dollar-cost-averaging calculator. Model recurring ATOM buys to see coins accumulated, average entry and portfolio value at today's live price.
Work out your weighted average Cosmos (ATOM) entry price across multiple buys — and see exactly where your break-even sits.
Find the exact Cosmos (ATOM) price that liquidates your leveraged position. Prefilled with the live ATOM price — set your leverage and direction.
Calculate Cosmos (ATOM) market cap from the live ATOM price and circulating supply — plus FDV, and the price ATOM would need to reach any target valuation.
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For educational purposes only. Rates, fees and protocol parameters change — verify current figures with your exchange or validator before acting. Not financial advice.