Savings interest calculator

• 1. EverBank4.2% APY · 2026-10-10
  $420.00
• 2. Bread Savings4.05% APY · 2026-10-10
  $405.00
• 3. Bask Bank3.9% APY · 2026-10-10Promo (not included): {'apy': '4.30% (0.40% boost) with checking bundle, up to 6 months, + up to $300'}
  $390.00
• 4. Openbank3.8% APY · 2026-10-10Promo (not included): {'boost': '0.35% for 6 months (up to 4.15%)', 'open_by': '2026-11-03'}
  $380.00
• 5. CIT Bank Platinum Savings3.75% APY · 2026-10-10
  $375.00
• 6. Synchrony3.55% APY · 2026-10-10
  $355.00
• 7. Wealthfront Cash3.55% APY · 2026-10-10Promo (not included): {'apy': 'up to 4.45%', 'boost_cap': '$150,000'}
  $355.00
• 8. Marcus by Goldman Sachs3.5% APY · 2026-10-10
  $350.00
• 9. Betterment Cash3.5% APY · 2026-10-10Promo (not included): {'boost': '0.75% on up to $1M', 'ends': '2027-02-15'}
  $350.00
• 10. UFB Direct3.26% APY · 2026-10-10Promo (not included): {'apy': 'up to 4.01%', 'duration': 'up to 6 months', 'requires': 'promo code'}
  $326.00
• 11. Ally3.1% APY · 2026-10-10
  $310.00
• 12. Capital One 360 Performance Savings3.1% APY · 2026-10-11
  $310.00
• 13. American Express HYSA3.1% APY · 2026-10-10
  $310.00
• 14. LendingClub (now Happen Bank)3.0% APY · 2026-10-11Promo (not included): {'apy': '4.20', 'note': 'LevelUp Rate with $250+ monthly deposits (conditional)'}
  $300.00
• 15. Citizens Access2.8% APY · 2026-10-10
  $280.00
• 16. Varo1.0% APY · 2026-10-10
  $100.00
• 17. Chime1.0% APY · 2026-10-06
  $100.00
• 18. SoFi0.8% APY · 2026-10-11Promo (not included): {'apy': '3.30', 'note': '3.30% with eligible direct deposit or $5k deposits/31 days; up to 4.20% with new-memb
  $80.00
• 19. Barclays · 2026-10-07⚠ standard APY not in our data
  —

Method: interest = balance × ((1 + APY)^(months/12) − 1) at the standard APY held constant; monthly fees deducted; promo rates shown separately, not included. Best high-yield savings accounts.

Share this result: vaultrubric.com/tools/savings-calculator?balance=10000&months=12