See exactly how much your savings could be earning.
The free, real-time savings calculator that reveals what big banks don't want you to know — your money should be working harder.
See Your Savings Grow
Compound interest calculator to visualize your potential earnings.
✨ That's about $59 / month in interest — compounded monthly.
- SoFi4.20% APY
- Capital One 360 Performance3.10% APY
- American Express® Account3.10% APY
- U.S. Smartly®3.50% APY
- SoFi4.20% APY
- Capital One 360 Performance3.10% APY
- American Express® Account3.10% APY
- U.S. Smartly®3.50% APY
- SoFi4.20% APY
- Capital One 360 Performance3.10% APY
- American Express® Account3.10% APY
- U.S. Smartly®3.50% APY
Oct 2026Bank Winners in
As Featured Inmore interest than the national average
average annual loss in low-yield accounts
to open a high-yield account online
monthly fees on every account we list
Clarity in 30 seconds
No signup. No spam. Just the math your bank doesn't show you.
See your real earnings
Live numbers — daily, monthly, and annual — based on actual top-rated APYs.
Project years ahead
Watch compound interest work in your favor over 1, 5, or 10 years.
Compare to your bank
Most big banks pay 0.01%. Find out exactly how much that's costing you.
FDIC-insured only
Every rate we model comes from a federally insured institution.
Three steps to a smarter return
Enter your balance
Drag the slider or type the amount you'd like to save.
Pick a time horizon
1 month, 1 year, or 10 years — see what your money becomes.
Open the winning account
We'll show you the top-rated FDIC-insured bank that pays you the most.
Why a few percentage points change everything
On a $25,000 balance, the difference between a 0.01% big-bank account and a 4.00% high-yield account is $948 per year — and over $11,000 across a decade with compounding.
That's not magic. It's the same money, the same FDIC protection, sitting in a different account.
Big bank
$2.50/yr
on $25,000 at 0.01% APY
Top high-yield
$948/yr
on $25,000 at 4.00% APY
10-year difference
+$12,300
Common questions
How accurate is this calculator?
We use the same APYs published by our top-rated FDIC-insured banks, refreshed every business day. Your actual return will match the bank's posted rate at the time you open the account.
Is the interest compounded?
Yes. We model daily compounding and monthly crediting — the standard for U.S. high-yield savings accounts.
Will my rate change over time?
APYs are variable and may change with the Federal Reserve. The calculator shows projections at today's rates, which are still 10–20× higher than what most big banks pay.
Are these accounts safe?
Every bank we list is FDIC-insured up to $250,000 per depositor. Your money is just as safe as it is at any traditional bank.
Ready to put the numbers to work?
Open one of our top-rated accounts in under 5 minutes — and start earning what your money is worth.