Savings tools
Compounding, goals, term deposits, and emergency funds.
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Compounding, goals, term deposits, and emergency funds.
Compound interest
See what a starting balance plus regular deposits grows into, and how much of the final figure is interest rather than your own money.
Savings goal
Pick a target and a deadline to get the monthly deposit, or pick a deposit to see when you get there.
Emergency fund
Size a cash buffer against what you actually have to spend, not what you earn, and see how long it takes to fill.
Sinking fund
Turn a lumpy future bill — insurance, a car service, Christmas, a replacement laptop — into a flat monthly amount.
Term deposit
What a fixed-rate deposit pays at maturity, and how much difference the interest-payment frequency makes.
Inflation
What an amount of money is worth after inflation, forwards or backwards, and how much purchasing power the years take out of it.
APY
Convert an advertised nominal rate into the yield you actually earn, and see what the compounding frequency is worth on your balance.
ISA
What a tax-free savings wrapper is worth against the same money held in a taxable account.