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Compare Savings Calculator

Use this calculator to see how different savings rates can help impact your savings strategy.

Compare Savings Rates

Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can help impact your savings strategy. This calculator can also show you how deposits at the start of each month, compared to the end of the month, can impact your savings balance.

By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.



Financial Calculators from
Dinkytown.net

Financial Calculators ©1998-2024 KJE Computer Solutions, Inc.









A rate of 2% earns $443.90 more than 1%.
*indicates required.
At beginning of the period (uncheck for the end of the period)
Balance by Year Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.

Definitions

Starting amount

The starting balance or current amount you have invested or saved. If you haven't started saving yet, set the amount to '$0'.

Years

The total number of years you are planning to save or invest.

Additional contributions

The amount that you plan on adding to your savings or investment regularly.

Contribution frequency

How often your additional contributions will occur. Your choices are weekly (52 times per year), every other week (26 times per year), monthly, quarterly or annually.

Annual percentage yield (APY)

The annual rate of return for each savings account. The actual rate of return is largely dependent on the types of investments you select. The Standard & Poor's 500® (S&P 500®) for the 10 years ending December 31st 2024, had an annual compounded rate of return of 14.9%, including reinvestment of dividends. From January 1, 1970 to December 31st 2024, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 11.2% (source: www.spglobal.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009). Savings accounts at a financial institution pay less but carry significantly lower risk of loss of principal balances.

It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that investment funds and/or investment companies may charge.

Make deposits at beginning of the period

Check this box to have all additional contributions happen at the beginning of each period. Uncheck this box for the end of the period. Making contributions at the beginning of each period allows your money to begin earning a return immediately increasing your return.

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