Savings Interest Calculator

Work out how much interest you’ll earn — and see the real cost of missing your bonus conditions. Unlike most calculators, this shows your effective rate if you only hit the bonus some months.

Starting balance $ Monthly deposit $ Maximum (bonus) rate % Base rate (if you miss conditions) % Months you hit the bonus (out of 12) Time frame (years)

Interest compounds monthly on the running balance; deposits added at month end. Illustrative only — not a projection or advice. Your actual return depends on the bank’s terms.