Quick guide
How to use this calculator
- Enter the balance, rate, timing, fee, or contribution assumptions named by the fields.
- Use one currency and follow the stated nominal, effective, simple-interest, or compounding convention.
- Review the calculator-specific assumptions before comparing accounts or making a savings decision.
Calculation method
Calculation method
Each option compounds over the common term; net value = maturity value − entered fee or penalty.
Entered fixed decimals are parsed exactly. Compound projections use stable exponential forms and preserve zero-rate cases exactly; money rounds only for display and a supported nonzero amount is not replaced by a misleading zero.
Worked example
Worked example
Compare 10,000 for two years at 5% compounded monthly against 5.25% compounded quarterly, with any entered fees subtracted at maturity.
Each option compounds over the common term; net value = maturity value − entered fee or penalty.
Supported inputs
Precision and limits
Visible input limits
Amounts accept up to 30 digits and 12 decimal places and are capped at 1e12 per input. Rates are capped at 1000%. Most projections are capped at 1,200 months or 100 years; narrower whole-number limits appear in field labels.
International scope
No currency, institution, current market rate, deposit-insurance rule, tax system, regulatory disclosure, or jurisdiction-specific product term is assumed.
Decision boundary
Results are arithmetic scenarios from visitor-entered assumptions, not account quotations, forecasts, tax advice, legal determinations, deposit guarantees, or recommendations.
Calculator-specific assumptions
Both options use the same entered principal and term, so their maturity values share one comparison horizon. Real product crediting, early-exit, renewal, and fee rules may differ.