Staking rewards look simple until tax season arrives. For UK investors, the maths and the HMRC treatment both matter — get either wrong and profits evaporate.

APY includes compounding while APR does not, so always compare like with like. A 9% APR compounded monthly beats an 8.5% APY quote — the calculator below shows the true numbers.

HMRC generally treats staking rewards as income when received, then capital gains when you later sell the tokens. Keep a log of every payout's sterling value on receipt day.

Run your principal, rate, and timeframe through the calculator, then sanity-check against lock-up terms and validator fees before committing.