Click Calculations

Savings vs Investing Comparison

Model side-by-side results for keeping money in a savings account versus investing it. Adjust the return assumptions, monthly contributions, and time horizon to see how the gap changes.

How to use this tool
  • Starting balanceEnter the amount of money you have today.
  • Monthly contributionAdd how much you plan to deposit each month (optional).
  • Years to growSet the time horizon for the comparison.
  • Bank APY (%)Enter the annual percentage yield for a savings account or cash alternative.
  • Expected investment return (%)Provide the average annual return you expect from investing.
  • Investment fees (%)Enter yearly investment costs (expense ratios, advisory fees). We'll subtract them from returns.

Press Compare growth to chart both balances over time and see the difference in ending value. Reset clears the inputs.

Returns are compounded monthly. Investment fees are treated as a reduction of the market return. Remember that actual investing returns can be volatile and may not match a steady average.

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