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    Education only. Not financial, tax or legal advice. We never ask for wallet keys or seed phrases.Canadian rules dated October 2026
    DeFiCalculator.caMITEY network · Canadian DeFi maths
    Scenario 5 of 10 · illustrative

    Scenario: staking for six months with a 21-day unbonding period

    Morgan stakes 500 tokens worth $20 each. The quoted gross reward rate is 7%, the validator keeps 10% commission, rewards start after a 3-day warm-up, and unstaking takes 21 days during which nothing is earned and the tokens can't be sold.

    Mitey the yeti seated on a rock reading a ledger book, with a padlock
    Mitey: Twenty-one days is a long time to be unable to sell. Plan around it.

    The assumptions

    InputValue
    Stake500 tokens at $20
    Gross rate7% (illustrative)
    Commission10%
    Time staked180 days, plus 21 days unbonding
    Change the inputs in the calculator

    Step by step

    1. Net rate. After commission the rate is 6.30%. Over 177 earning days that's 15.28 tokens.
    2. Effective rate. Counting the full 201 days Morgan's tokens are committed, the effective annual rate is 5.55%.
    3. Price risk while locked. A fall of 2.96% in the token price would erase the CAD value of all the rewards. If the price drops to $16, the position is worth $8,244.41 versus $10,000.00 at the start.
    4. Tax. If the rewards are income when received, Morgan records about $305.51 of income at $20 a token, and those tokens get that value as their cost base. See the staking income calculator.
    The takeawayStaking rewards are paid in the token you're already exposed to. Lockups add days of no yield and no exit, which matter most when prices move.

    Questions people ask

    Why is the effective rate lower than the net rate?

    Warm-up and unbonding days count toward the time your tokens are committed but earn nothing.

    Is commission charged on my stake?

    Commission is usually a share of rewards, not of the stake itself.

    Names, rates and prices in this scenario are illustrative and computed for education. They aren't forecasts, quotes or recommendations.

    Calculator

    Staking rewards

    Rewards after commission, warm-up and unbonding, in tokens and CAD.

    Tax tool

    Staking income

    Rewards as income at receipt, then a gain or loss on sale.

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    Convert a quoted APR into an effective yearly yield, both directions.

    Next scenario: when gas eats a small position's yield