How it works
Both accounts receive the same deposits; each APY is converted to an equivalent monthly rate so that quoted yields compare fairly.
Example
$12,000 plus $300 monthly for five years ends at $34,931 with a 4.4% APY, about $4,459 more than the same deposits at 0.45%.
This tool is for estimation and education, not financial, tax, or legal advice.
Frequently asked questions
Are the results exact lender quotes?
No. Results are estimates from the values entered and exclude terms or charges not shown.
Does the calculator send my numbers anywhere?
No. The calculation runs locally in your browser.
How should I use the result?
Compare scenarios, then verify important figures against a lender disclosure or account statement.