See what your savings could become

How we estimate earnings

SavingsTools maintains the calculators and checks their results against worked examples. Each tool shows the example, explains how the estimate works, and links to its sources.

Start with the rate and terms from your bank or credit union. Check the assumptions beside each result to see which costs it includes. For example, the CD calculator estimates interest at maturity, while the early withdrawal tool estimates a penalty under the terms you enter.