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Savings calculator

Project your savings balance from regular monthly deposits.

Runs 100% in your browser
Future balance
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Total deposited
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Interest earned
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How to project your savings

  1. Enter your starting balance. Add what you have saved now and your monthly deposit.
  2. Set the rate and timeframe. Enter the annual interest rate and number of years.
  3. Check the projection. See the future balance, deposits and interest earned.

Reaching a savings goal

The two biggest levers are how much you deposit each month and the rate you earn — a high-yield account can add up meaningfully over time. For the underlying maths, see the compound interest calculator.

Educational tool only — not financial advice. Assumes a constant rate and excludes taxes and fees.

Frequently asked questions

How does the savings calculator work?
It projects a savings balance from a starting amount plus a regular monthly deposit, growing at the interest rate you set. The result is split into how much you deposited versus the interest earned.
What rate should I use?
Use your account’s APY for a savings account, or your expected return if you’re investing. Higher rates compound into much larger balances over long periods.
How do I hit a savings goal?
Adjust the monthly deposit or the number of years until the future value matches your goal — the figures update instantly as you type.
Does it include tax or inflation?
No — it shows nominal growth. Use the inflation calculator to see the balance in today’s money.
Is anything uploaded?
No. Everything is computed in your browser.

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