Savings Account APY Calculator
Estimate a savings balance from a starting amount, monthly contributions, APY, and time — all in your browser.
APY, effective-rate, and CD figures are computed in your browser; we never see your account balances.Try: Starting balance=5000, Monthly contribution=200, APY=3.8, Years=10 → $36,448.52, $29,000.00, $7,448.52
How to use
Add your opening balance, what you’ll add each month, the account APY, and the number of years. Press Calculate — the growth is computed locally, nothing leaves the page.
It separates the money you actually deposited from the interest the APY produced, so you can see compounding at work.
FAQ
How do regular contributions change my balance?
Each monthly deposit earns its own share of compounding from the day it lands. Over ten years, the contributions you make often grow into a larger slice of the balance than the starting principal.
What if my bank changes the APY later?
This calculator assumes one steady rate. Real savings APYs float with the market, so treat the result as a snapshot, not a guarantee. — By Alex Chen, personal finance editor
Is the interest taxable?
Yes, interest is normally taxable in the year it is earned even if you leave it in the account. The calculator shows pre-tax growth only.