Free compound interest calculator

Calculate Your Savings Growth

See how much your money can earn with compound interest in a high-yield savings account

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1 year30 years
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Based on daily compounding

Average HYSA rates in 2026
3% - 4% APYUpdated: January 2026

Popular Scenarios

See real examples of how your savings can grow over time

$20K at 3.5%

Starting with $20K savings? Here's how compound interest grows your money

Initial:$20,000.00
Monthly:$200.00
APY:3.5%

Grows to

$36,957.83

$5K + $100/mo

Small starting balance? Monthly deposits supercharge your savings

Initial:$5,000.00
Monthly:$100.00
APY:3.75%

Grows to

$9,411.59

$50K 10yr Plan

Building serious wealth: The power of 10 years of compounding

Initial:$50,000.00
Monthly:$500.00
APY:4%

Grows to

$148,485.51

$1K Starter

Never saved before? See what $1,000 + $50/month becomes

Initial:$1,000.00
Monthly:$50.00
APY:3.5%

Grows to

$2,317.31

Frequently Asked Questions

Everything you need to know about HYSA and compound interest