Savings & Banking
Savings & Banking
Money you'll need soon belongs somewhere safe, insured, and growing. These tools project how savings compound over time, size the emergency fund your expenses actually require, and work out the monthly deposit that reaches your goal on schedule.
Savings & Banking calculators15
Compound Interest Calculator
See how your savings grow with compound interest and monthly contributions — final balance, interest earned, and a year-by-year growth table.
Simple Interest Calculator
Calculate simple interest on a loan or deposit — interest on the principal only — and see how it compares to compound interest over the same period.
Savings Calculator
Watch your savings account grow: enter your balance, monthly deposit, and APY to see the future value and every dollar of interest along the way.
Savings Goal Calculator
Two answers for any savings goal: the monthly deposit that hits your target on time, and when you'd get there at your current saving pace.
Emergency Fund Calculator
Size your emergency fund from your real monthly expenses, see the gap, and get the date you'll be fully funded at your current saving rate.
CD Calculator
Calculate a certificate of deposit's value at maturity, the interest earned, and the true APY from any rate and compounding frequency.
CD Ladder Calculator
Build a CD ladder: split a deposit across staggered maturities so a rung frees up each year while the rest keeps earning. See per-rung and total returns.
College Savings Calculator
Work out what a degree will cost by the time your child starts, what your current savings will grow to, and the monthly contribution that closes the gap.
HSA Calculator
Project a health savings account over time and see what the triple tax advantage is actually worth against saving the same money in a taxable account.
I Bond Calculator
Work out the composite rate and value of a US Series I savings bond, including the three-month interest penalty for redeeming before five years.
CD vs High-Yield Savings Calculator
Compare locking money in a CD against keeping it in high-yield savings, including what happens to each if rates change and the penalty for breaking the CD early.
CD Early Withdrawal Penalty Calculator
Cashing out a CD before it matures? See the early-withdrawal penalty, what you'd actually walk away with, and whether the penalty eats into your principal.
APY Calculator
Convert a nominal interest rate and compounding frequency into APY — the real annual yield — so you can compare savings accounts and CDs on equal footing.
Emergency Fund Runway Calculator
How long would your savings last if you lost your income? See your emergency fund runway in months — and how partial income during the gap extends it.
Rent Affordability Calculator
How much rent can you afford? See the monthly rent that fits your income at the classic 30% guideline — plus a comfortable and a stretch figure.
Savings & Banking guides3
APR vs. APY: Why the Difference Matters
APR is what borrowing costs; APY is what saving earns. The difference is compounding — which is why banks quote APY on savings and APR on loans. Here's how to compare the right number on each side.
How Big Should Your Emergency Fund Be?
Three to six months of expenses is the starting point — but the right emergency fund depends on your income stability and fixed costs. Here's how to size yours, where to keep it, and how to build it without feeling the pinch.
HYSA vs. CD vs. Money Market: Where to Keep Your Cash
High-yield savings, CDs, and money market accounts all beat a big-bank savings account — but they're built for different jobs. Here's how to match each to your timeline, and where your cash is (and isn't) insured.