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High-Yield Savings (HYSA) Calculator
Estimate how your balance can grow in a high-yield savings account (HYSA) using compound interest. Start with core inputs (balance, APY, timeline, contributions), then optionally add advanced assumptions like rate schedules, withdrawals, and comparisons. Results are nominal (taxes and inflation are not modeled).
Calculator
Basic Inputs
Set starting balance, APY, timeline, and recurring deposits to project account growth.
$
Principal in the account at the start of the projection.
%
Nominal annual percentage yield.
$
APY is treated as effective annual yield for this compounding cadence.
Results
Total contributions
$24,200
Interest earned
$11,735
Total withdrawals
$0
Fees (modeled)
$0
Assumptions
- Compounding: monthly (APY interpreted as effective annual yield for that cadence).
- Deposits and withdrawals are applied after the compound event on compound days; daily mode compounds every day.
- Weekly/biweekly cadence is anchored to the start date (every 7 or 14 days).
- Nominal balances only—taxes and inflation are not modeled.
| Year | Interest | Contributions | Withdrawals | Fees | End balance |
|---|---|---|---|---|---|
| 2026 | $115 | $600 | $0 | $0 | $10,715 |
| 2027 | $540 | $2,400 | $0 | $0 | $13,655 |
| 2028 | $673 | $2,400 | $0 | $0 | $16,728 |
| 2029 | $811 | $2,400 | $0 | $0 | $19,939 |
| 2030 | $955 | $2,400 | $0 | $0 | $23,294 |
| 2031 | $1,106 | $2,400 | $0 | $0 | $26,801 |
| 2032 | $1,264 | $2,400 | $0 | $0 | $30,465 |
| 2033 | $1,429 | $2,400 | $0 | $0 | $34,294 |
| 2034 | $1,601 | $2,400 | $0 | $0 | $38,295 |
| 2035 | $1,781 | $2,400 | $0 | $0 | $42,476 |
| 2036 | $1,459 | $2,000 | $0 | $0 | $45,935 |
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