Computavi

Savings tools

How could rates and fees change your savings?

Compare two user-entered savings rates and monthly fees with the same starting savings, additions and time period.

Enter effective annual rates, including compounding, and separate monthly fees. This compares your assumptions, not live accounts or a best-account ranking.

Compare savings accounts inputs

Use the same currency throughout. Enter numbers without commas or currency symbols, for example 1000.50. Amounts allow two decimal places; rates allow six.

Your starting point

Money already saved or invested. Enter 0 if you are starting from nothing.
Added at the end of every month. Enter 0 for no additions.
Use a whole number from 1 to 600. For 5 years, enter 60.

Account A

The annual growth after compounding, before the fee below. This is not a nominal rate.
Charged after growth, before adding money. Capped at the available balance; unpaid fees do not create debt.

Account B

The annual growth after compounding, before the fee below. This is not a nominal rate.
Charged after growth, before adding money. Capped at the available balance; unpaid fees do not create debt.

Calculate once. After that, valid edits update your result automatically.

Understand this estimate

Enter effective annual rates, including compounding, and separate monthly fees. This compares your assumptions, not live accounts or a best-account ranking.

Worked example

At 0%, starting with 1000 and adding 100 each month for 12 months gives 2200 without fees, or 2176 with a monthly fee of 2. The second account charges 24 in fees.

How we calculate this

The assumed return is effective per year. The monthly growth factor is (1 + yearly return / 100) raised to 1/12.

Each month earns growth on its starting balance, then pays any modelled fees, then receives contributions or makes withdrawals at month end.

Projections retain fractional cents internally and round only for display. Displayed rows can differ by a cent when added. Amounts above 10000000000000 are unsupported. Actual returns vary; tax, inflation and product rules are excluded unless explicitly entered.

Sources explain the underlying concepts; this calculator uses the conventions described above. It does not recommend a financial product.

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