Savings balance in 5 years
$33,028
Total deposits$29,000
Interest earned$4,028
Goal progress82.6%
Savings growth
BalanceDeposits
$33,028$24,771$16,514$8,257$0
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Project savings interest, recurring deposits and progress toward a goal
Results update as you type. Inputs are saved on this device.
Savings balance in 5 years
Estimate how a savings account grows from an opening balance, recurring deposits and APY. Compare deposits with interest earned and see when the balance may reach a selected goal.
Deposits show the cash you supplied; interest earned is the balance above those deposits. Goal progress compares the modeled balance at the selected horizon with the target amount.
APY can change, and account fees, taxes, withdrawal limits and promotional-rate expiration are excluded. Confirm current terms with the institution.
Inputs are applied directly to standard finance formulas with monthly compounding where relevant. Results are estimates in the selected currency; they do not include every tax, fee, benefit, market event or local rule. Try a conservative and an optimistic case before making a decision.
Last reviewed: August 2026. Primary references include the IRS 2026, SSA, BLS CPI, U.S. DOL, CFPB.
Annual percentage yield includes compounding and expresses the effective return earned over one year when the rate remains unchanged.
Interest is applied to the current balance and the recurring deposit is added at the end of each modeled month.
Yes. Most savings-account rates are variable, so the selected APY is a scenario rather than a guaranteed multi-year rate.
No. Displayed interest is before any income tax, account fee or withdrawal penalty.
All math runs in your browser and your inputs are never sent to a server. Settings are saved locally and share links encode the state in the URL. For information only — not investment or tax advice.