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Savings interest calculator

Most interest on $1,000 over 12 months

$38.00

Openbank at 3.8% APY (as of 2026-10-12)

$1k starter $10k emergency fund $25k for 2 years $100k for 5 years

Showing Openbank, Ally. Show all 19 accounts

1. Openbank3.8% APY · 2026-10-12Promo (not included): boost: 0.35% for 6 months (up to 4.15%), open_by: 2026-11-03
$38.00
2. Ally3.1% APY · 2026-10-12
$31.00

Am I overpaying? Compare your current APY → · Watch a bank's APY

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.

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Estimates from VaultRubric's sourced data, not financial, investment or credit advice. Rates and fees change; check the provider before acting.

FAQ

How is interest calculated?

Balance × ((1 + APY)^(months/12) − 1) at each account's standard APY held constant, minus any monthly fees. APYs are variable, so this is an estimate.

Are promo rates included?

No. Promotional or conditional rates are shown separately and not included in the estimate.

What if my balance is below the minimum?

If an account requires a minimum balance to earn its APY and your balance is below it, we show no interest estimate and flag it.

Disclosures

Not investment or financial advice. VaultRubric compares platforms, not investments. Crypto is risky and rates change often; verify details on the provider's official site. Affiliate disclosure: some links may be affiliate links and we may earn a commission; this never changes scores. Details.