Estimate what your money could earn first, then compare source-checked account terms whenever current offers are available.
The calculator opens with a $10,000 balance, no monthly deposits, a 4.00% illustrative APY, and a one-year horizon. Change any input. The default APY is an example, not a current offer.
This estimate assumes the APY remains unchanged and monthly contributions are deposited at the end of each month. Savings-account rates can change at any time.
Calculator logic reviewed September 9, 2026. The 4.00% default is illustrative, not a current product rate.
8 providers · 35 verified material facts
Compensation is excluded from scoring. Newest verified fact Oct 17, 2026, 4:24 AM UTC. See the current methodology.
Change the balance and priority profile. Your scenario order updates without changing the published comparison.
At $25,000, its current 3.85% APY would earn about $963 over 12 months if the rate stayed unchanged. That is about $75 more than the next account by APY at this balance.
Why it scores well: strongest relative factor is APY.
Tradeoff: weakest relative factor is federal insurance.
Who should skip it: Skip it if another account better matches the factor you care about most.
Why it scores well: strongest relative factor is monthly fee.
Tradeoff: weakest relative factor is federal insurance.
Who should skip it: Skip it if you do not want to meet the $1 opening minimum.
Why it scores well: strongest relative factor is monthly fee.
Tradeoff: weakest relative factor is federal insurance.
Who should skip it: Skip it if another account better matches the factor you care about most.
Why it scores well: strongest relative factor is monthly fee.
Tradeoff: weakest relative factor is opening minimum.
Who should skip it: Skip it if you do not want to meet the $100 opening minimum.
Why it scores well: strongest relative factor is monthly fee.
Tradeoff: weakest relative factor is federal insurance.
Who should skip it: Skip it if you do not want to meet the $10 opening minimum.
Why it scores well: strongest relative factor is monthly fee.
Tradeoff: weakest relative factor is federal insurance.
Who should skip it: Skip it if another account better matches the factor you care about most.
Why it scores well: strongest relative factor is monthly fee.
Tradeoff: weakest relative factor is APY.
Who should skip it: Skip it if maximizing APY is your single highest priority.
Scenario ordering is a decision aid, not a replacement for the published comparison. APYs on savings accounts are variable, so dollar outcomes are estimates rather than guaranteed returns.
We consider factors such as APY, fees, minimums and federal deposit insurance. If an important fact is missing, stale, or conflicting, the account may be left out until it can be checked again.
Read the full methodology →