Model reinvested growth with nominal APR
Choose a cryptocurrency and fetch a reference quote. Enter an initial USD amount, nominal annual rate, compounding frequency and a whole number of years from 1 to 100. Optional contributions are added at the start of each month or year. The symbol supplies a conversion price; it does not select or verify a yield product.
APR and APY are different inputs
Without contributions, A = P(1 + r/n)nt, where r is nominal APR as a decimal, n is compounds per year, and t is years. Effective APY = (1 + r/n)n − 1. An 8% APY grows $10,000 to $10,800 in one year; an 8% nominal APR compounded daily grows it to about $10,832.78. Entering APY into an APR field overstates growth.
If only APY is provided, convert it first: nominal APR = n × ((1 + APY)1/n − 1), using decimal rates. At zero APR, final value is simply initial principal plus contributions.
How contributions and token conversion work
The calculation uses monthly growth factor (1 + r/n)n/12. It adds the scheduled contribution before applying that factor. This is an equivalent-rate model, not a recreation of a provider's daily or annual reward-crediting rules. With $1,000 initially, $100 contributed at the start of each month and zero APR for one year, final value is $2,200.
Each USD balance is divided by the same reference crypto price. It is not a forecast of the price at which future deposits buy tokens. For context, the Investor.gov calculator also separates contributions, estimated rate, duration and compounding frequency.
Check the source of any yield assumption
Owning a token does not itself establish a yield. For example, Ethereum's staking documentation describes validator participation, rewards, penalties and different custody arrangements. This page does not select a staking provider or certify an advertised rate.
Actual outcomes can differ because of variable rewards, token prices, reinvestment costs, tax, liquidity restrictions and loss of funds. These factors are absent from the constant-rate projection. Compare assumptions before interpreting a chart as a possible outcome.