What This Site Is and Is Not

Educational math only

The tools on this site apply standard compound interest formulas to numbers you type in. The results are hypothetical projections, useful for understanding how compounding works and for comparing scenarios you construct yourself.

Not financial advice

Nothing here is financial, investment, tax or legal advice, and nothing here recommends any product, institution or course of action. The site does not know current interest rates, does not list or compare banks, and holds no information about your financial situation.

Real products differ

Actual certificates of deposit and savings accounts carry terms this calculator cannot model: early withdrawal penalties, rate changes, fees, minimum balances, promotional conditions and tax treatment among them. Before making any decision, verify every figure with the financial institution offering the product, and consider speaking with a qualified professional.

No liability

Use of these calculators is at your own judgment. To the fullest extent permitted by applicable law, the site and its operator accept no responsibility for decisions made in reliance on these projections.

Related pages

The formulas themselves are documented on the FAQ page, and usage conditions live in the terms.