Compound Interest Calculator
Estimate your potential staking rewards on UEEx with automatic daily reinvestment. Enter your principal, APY, and lock period below to see how your crypto can grow over time.
What Is Compound Interest?
Compound interest is the process of earning interest not just on your original principal, but also on the interest you've already earned. In other words, your earnings generate more earnings, creating a snowball effect that grows faster over time.
This is the core mechanic behind crypto staking rewards. When you stake on UEEx, your daily rewards are automatically added back to your principal, so tomorrow's rewards are calculated on a slightly larger balance than today's.
Over time, especially with longer lock periods, the difference between simple interest and compound interest becomes substantial, even at the same APY.
Simple Interest vs. Compound Interest
Simple interest calculates returns only on your original principal. If you stake $1,000 at 20% APY for one year, you earn exactly $200, nothing more.
Compound interest recalculates your returns on the growing balance. Staking $1,000 at 20% APY compounded daily for one year yields approximately $221.34, an extra $21.34 just from reinvesting rewards automatically.
That gap widens dramatically over longer time horizons, which is why understanding compounding is essential for any crypto staking strategy.
Growth Comparison: $1,000 at 20% APY
| Time Period | Simple Interest | Compound (Daily) | Extra Earned |
|---|---|---|---|
| 30 days | $1,016.44 | $1,016.59 | +$0.15 |
| 90 days | $1,049.32 | $1,050.58 | +$1.26 |
| 180 days | $1,098.63 | $1,103.96 | +$5.33 |
| 1 year | $1,200.00 | $1,221.34 | +$21.34 |
| 2 years | $1,400.00 | $1,491.67 | +$91.67 |
| 3 years | $1,600.00 | $1,822.03 | +$222.03 |
You Stake Your Crypto
Deposit your USDT or supported asset into a UEEx staking pool. Your principal is locked for the chosen period and begins earning rewards immediately.
Rewards Accrue Daily
Each day, your staking pool distributes rewards based on the pool's APY. These daily rewards are calculated on your current total balance, not just your original stake.
Rewards Are Reinvested
Daily rewards are automatically added back into your staking balance. The next day's rewards are then calculated on a larger amount: this is the compounding effect in action.
P = Principal (your initial stake)
r = Annual interest rate (APY ÷ 100)
n = Compounding frequency (365 = daily)
t = Time in years (lock period ÷ 365)
Lock Period Matters More Than You Think
Compounding is time-sensitive. A 90-day lock delivers noticeably more than three separate 30-day locks, because the balance keeps growing without interruption.
APY Is an Annual Rate, Not a Guaranteed Return
APY figures are projections. Pool rates can change based on total value locked (TVL), market conditions, and platform updates. Always check the current pool rate before staking.
Daily Compounding Outperforms Weekly or Monthly
The more frequently rewards are reinvested, the more your balance grows. Daily compounding is the most common and most beneficial frequency in crypto staking.
Use This Calculator Before Committing Funds
Compare different APY and lock period combinations before you stake. Even a small difference in APY or a few extra days can meaningfully change your total return.
The amount you plan to stake
APY offered by the selected staking pool
Rewards compounded daily throughout this period
Your results will appear here
Fill in the staking parameters and click Calculate
A = P × (1 + r/365)^(365 × t)P = Principal | r = APY ÷ 100 | t = Days ÷ 365
Daily compounding (n = 365). Total Rewards = A − P
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