Savings Calculator
Find out how much you could have saved. Enter your starting balance, how much you add each month and your account APY.
Example savings balances
$1,000 + $250/month, 4% APY, 5 years$17,761
$5,000 + $400/month, 4.5% APY, 3 years$21,072
$0 + $500/month, 3.5% APY, 10 years$71,510
How this calculator works
APY (annual percentage yield) already includes compounding, so we turn it into an equal monthly growth rate. Your starting balance grows at that rate, and each monthly deposit is added at the end of the month.
FAQ
What is APY?
APY is the real yearly return after compounding. A 4% APY means 100 dollars becomes 104 dollars after one year.
Will my rate stay the same?
Not always. Savings account rates can change, so treat the result as an estimate.
Is the interest taxable?
Interest from a regular savings account is usually taxable income.
Rates and limits last updated: October 2026. This is an estimate for general information only, not financial, tax or legal advice.