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Savings calculator

Project your savings from monthly deposits and an interest rate.

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The Savings calculator turns Monthly deposit, Annual rate (%), Duration (years) into Final balance, Interest earned, instantly and for free. For instance, with Monthly deposit = $150.00, Annual rate (%) = 3 and Duration (years) = 10 it returns Final balance = $20,961.21 and Interest earned = $2,961.21.

How to use it

  1. Enter your values: Monthly deposit, Annual rate (%), Duration (years).
  2. Read the result instantly: Final balance, Interest earned.

Frequently asked questions

How does the Savings calculator work?

It takes Monthly deposit, Annual rate (%) and Duration (years) and derives Final balance and Interest earned from them. The calculation is live as you type, so the result updates on every change.

Which values does the calculator ask for?

3 values: Monthly deposit ($), Annual rate (%) and Duration (years). Nothing else is required — no account, no file upload.

What does a typical calculation look like?

With Monthly deposit = $150.00, Annual rate (%) = 3 and Duration (years) = 10, the calculator returns Final balance = $20,961.21 and Interest earned = $2,961.21. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

How much does the result change with different inputs?

It moves a lot. Using Monthly deposit = $300.00, Annual rate (%) = 3.3 and Duration (years) = 20 instead, Final balance goes from $20,961.21 to $101,786.24 — which is why it is worth testing a few scenarios rather than trusting a single figure.

What does it give for smaller values?

Scaled down to Monthly deposit = $75.00, Annual rate (%) = 2.7 and Duration (years) = 5, Final balance comes out at $4,812.11. The relationship is worth checking at both ends before you rely on a single result.

When would I actually use this?

Planning a deposit, a safety net or a large purchase: how much to put aside each month, and how long a target takes at a given rate.

What is the most common mistake?

Reading a nominal rate as if it were real. Inflation is subtracted from the return, not from the capital, so a 3% account during 4% inflation loses purchasing power every year.

What is the difference between the Savings calculator and the Savings Goal Calculator?

This one returns Final balance and Interest earned; the Savings Goal Calculator returns Months to goal and Years to goal. That is the whole difference — open the one whose figure you need.

Is there a tool for the next step?

Time to reach a savings goal calculator is the closest one after this: Find how long it takes to reach a savings goal from a fixed monthly contribution.

What else is worth having open alongside it?

Savings rate calculator and 529 College Savings Calculator — they come up in the same task often enough to be worth a second tab.

Further reading

All guides →
How-toHow Long to Reach a Savings Goal: A Step-by-Step MethodWork out exactly how many months a savings goal will take from your monthly deposit, starting balance and interest rate — with worked examples.How-toHow to Budget on an Irregular IncomeA practical method for freelancers and commission earners: baseline on your lowest month, run a buffer account, and pay yourself a steady salary.GuideWhat a Deposit Ladder Actually Costs: $141.92 Over Five YearsSplit $50,000 into five rungs instead of one five-year deposit and you end year five with $61,573.20 instead of $61,715.12. The whole liquidity option costs $141.92, once, during the ramp — and it is worth $1,049.24 if rates rise a point.ExplainerThe Two Nisabs, and Why They No Longer AgreeZakat is 2.5 percent of qualifying wealth held for a lunar year — but the threshold at which it becomes due has two classical definitions, one in gold and one in silver, and today they differ by roughly a factor of twelve. Here is why, and what each side argues.ComparisonRegulated Savings, a Euro Fund or a Fixed-Term Deposit: the Ranking Inverts TwiceThe product paying the second-highest headline rate finishes last, and the reason is a tax change that took effect in January 2026. The three French savings vehicles scored on identical criteria: rate, tax, net return, real return, and what each one costs you in access.ExplainerHow Fast Do Cars Depreciate? The Value CurveNew cars lose value fastest in year one, then 15–20% a year. See the depreciation curve, why the first year hits hardest, and a worked example.