Savings Yield Calculator
High-yield vs standard — the difference is real money.
High-yield future value:
Standard future value:
Difference after period:
How to use this calculator
Enter your balance, high-yield rate, standard bank rate and years, then press Calculate. Future values for both and the difference are shown.
What the result means
The difference is what switching banks is worth. On modest balances it's hundreds per year; over years it compounds into thousands.
Frequently asked questions
Are high-yield savings accounts safe?
Yes — deposits are FDIC-insured to $250,000, same as a standard bank.
What's the catch?
Most are online-only with no branches, and transfers take 1-3 days.