Crypto Lending vs. Staking ROI Analyzer

Common Investment Details

Lending Scenario Details

Staking Scenario Details

ROI Comparison: Lending vs. Staking for Your Crypto

Important Considerations:
  • APY/APR Variability: Quoted rates for both lending and staking are often estimates and can fluctuate based on market conditions, platform policies, and network parameters.
  • Platform Risk: Depositing crypto on any third-party platform (for lending or staking pools) carries risks such as smart contract vulnerabilities, platform hacks, or insolvency.
  • Lock-ups & Liquidity: Staking often involves lock-up periods where your crypto cannot be withdrawn immediately. Lending terms vary by platform and loan. Consider your liquidity needs.
  • Slashing Risk (Staking): If a validator (either your own or one a pool uses) acts maliciously or is frequently offline, a portion of the staked crypto can be "slashed" (lost) as a penalty.
  • Compounding: This calculator assumes the APY you provide already incorporates the effects of compounding as advertised by the platform. Fees are applied to the gross rewards earned from this APY.
  • Crypto Price Volatility: The underlying price of the crypto asset itself is volatile. USD value estimates are based on the current price you enter and are for illustration only. The actual USD value of your crypto and rewards can change significantly.
This tool provides estimates and is not financial advice. Always conduct thorough research (DYOR) before making any investment or yield-generation decisions in the crypto space.

Assumed ETH Price for USD Values: ${cls_formatUsd(inputs.cryptoPriceUsd)}

` : ''}
Lending Scenario Inputs
Expected Lending APY:${cls_formatPercentage(inputs.lending.apy)}
Platform Fee (% of rewards):${cls_formatPercentage(inputs.lending.feePercent)}
Staking Scenario Inputs
Expected Staking APY:${cls_formatPercentage(inputs.staking.apy)}
Platform Fee (% of rewards):${cls_formatPercentage(inputs.staking.feePercent)}
Est. Slashing/Risk (% APY reduction):${cls_formatPercentage(inputs.staking.slashRisk)}
`; let comparisonTableHtml = `MetricLendingStaking Initial ${inputs.cryptoSymbol}${cls_formatCrypto(inputs.initialCryptoAmount, "")}${cls_formatCrypto(inputs.initialCryptoAmount, "")} Net ${inputs.cryptoSymbol} Rewards${cls_formatCrypto(lend.netRewardsCrypto, "")}${cls_formatCrypto(stake.netRewardsCrypto, "")} Net Final ${inputs.cryptoSymbol}${cls_formatCrypto(lend.netFinalCrypto, "")}${cls_formatCrypto(stake.netFinalCrypto, "")} Simple ROI${cls_formatPercentage(lend.simpleROI)}${cls_formatPercentage(stake.simpleROI)} Annualized ROI (CAGR)${cls_formatPercentage(lend.annualizedROI)}${cls_formatPercentage(stake.annualizedROI)}`; if (inputs.cryptoPriceUsd > 0) { comparisonTableHtml += `USD Values (at $${inputs.cryptoPriceUsd}/${inputs.cryptoSymbol}) Initial USD Value${cls_formatUsd(inputs.initialCryptoAmount * inputs.cryptoPriceUsd)}${cls_formatUsd(inputs.initialCryptoAmount * inputs.cryptoPriceUsd)} Net USD Rewards${cls_formatUsd(lend.netRewardsCrypto * inputs.cryptoPriceUsd)}${cls_formatUsd(stake.netRewardsCrypto * inputs.cryptoPriceUsd)} Final USD Value${cls_formatUsd(lend.netFinalCrypto * inputs.cryptoPriceUsd)}${cls_formatUsd(stake.netFinalCrypto * inputs.cryptoPriceUsd)}`; } comparisonTableHtml += ``; let conclusionTextPdf = "Based on inputs: "; if (lend.netFinalCrypto > stake.netFinalCrypto) conclusionTextPdf += `Lending is estimated to yield a higher final amount.`; else if (stake.netFinalCrypto > lend.netFinalCrypto) conclusionTextPdf += `Staking is estimated to yield a higher final amount.`; else conclusionTextPdf += "Both strategies estimate similar final amounts."; const interpretationNote_pdf = `This analysis compares estimated ROI for crypto lending and staking. APY/APR variability, platform risk, lock-ups, slashing (for staking), and crypto price volatility are significant factors not fully captured. Fees are applied to gross rewards. This is not financial advice. DYOR.`; pdfContentEl.innerHTML = `
Crypto Lending vs. Staking ROI Analysis Report
Common Inputs
${inputsHtml}
ROI Comparison Table
${comparisonTableHtml}
${conclusionTextPdf}
Important Considerations: ${interpretationNote_pdf}
Generated on: ${pdfCreationTimestamp}. Estimates only.
`; document.body.appendChild(pdfContentEl); html2canvas(pdfContentEl, { scale: 2, useCORS: true, logging:true, width: pdfContentEl.scrollWidth, height: pdfContentEl.scrollHeight }).then(canvas => { const imgData = canvas.toDataURL('image/png'); const pdfWidth = pdf.internal.pageSize.getWidth(); const pdfHeight = pdf.internal.pageSize.getHeight(); const imgProps = pdf.getImageProperties(imgData); const imgWidth = pdfWidth - 40; const imgHeight = (imgProps.height * imgWidth) / imgProps.width; let finalHeight = imgHeight; if (imgHeight > pdfHeight - 40) { finalHeight = pdfHeight - 40; } pdf.addImage(imgData, 'PNG', 20, 20, imgWidth, finalHeight, undefined, 'FAST'); pdf.save('Crypto_Lending_vs_Staking_ROI.pdf'); if(document.body.contains(pdfContentEl)) document.body.removeChild(pdfContentEl); }).catch(err => { console.error("CLS PDF Error:", err); alert("Error generating CLS PDF. See console."); if(document.body.contains(pdfContentEl)) document.body.removeChild(pdfContentEl); }); } document.addEventListener('DOMContentLoaded', function() { cls_openTab({}, 'cls_setupTab'); // Set default values or initialize const cryptoAmountInput = document.getElementById('cls_initialCryptoAmount'); if (cryptoAmountInput && !cryptoAmountInput.value) cryptoAmountInput.value = '1'; const durationInput = document.getElementById('cls_durationYears'); if (durationInput && !durationInput.value) durationInput.value = '1'; if (!document.getElementById('cls_initialCryptoAmount')) { console.error("Critical input 'cls_initialCryptoAmount' not found."); } });
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