See what your savings could grow to.
Change the balance, monthly deposit, APY, and time horizon to estimate your ending balance and separate what you contribute from what interest may earn.
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.
APY, not APR
The calculator treats APY as an effective annual yield and converts it to an equivalent monthly growth rate. It does not simply divide APY by 12.
Rates can move
Savings rates are variable. This is an estimate using one constant APY, not a prediction that a bank will keep that rate for the full time horizon.
Use verified inputs
InfoShot's savings comparison separately verifies provider-published terms so you can test current APYs without allowing provider compensation to affect rank.