Thank you for that link to calculator.

the calculator shows me the same % as my wallet.

isn't the 2.5% APY stackable? so does it matter how often you mint? I see in the explorer that some really big sums got a 2.5% reward and before that something like 1%. That is already around 3.5%. The sum of time is 1 year and 2 months, so why 3.5% and not the calculated 2.7%?
https://chainz.cryptoid.info/pnd/address.dws?PUhqmidaYT8R7JHSwnbrPAcYf9KSrxgW6h.htm

so back to my problem. I found where it is. I found some very strange things while researching and comparing with the wallet and block explorer.

Problems I have seen:

a. the wallet shows and tries to stake transactions that do not exist in the blockchain explorer
b. the wallet shows and tries to stake transactions that do not exist in build wallet coin control window
c. my wallet address balances are lower compared to what the block explorer shows
 
1. how I can repairs these issues?
2. is there also a command for *.conf file, which make turn off stake splitting? if not can be added in short time or next update?
3. is it possible to add command into wallet, in debug windows like "setstakesplitthreshold" / "getstakesplitthreshold" and "setstakecombinethreshold" / "getstakecombinethreshold" and "getstakingstatus", in short time or next update?
4. is there a way how I can combine transaction back to bigger amout without sending them?
5. how is now set that setstakesplitthreshold and setstakecombinethreshold by default?

I wonder if my wallet has control of the entire balance now since I mentioned all those issues.