Calculateur d'Intérêts d'Épargne
Calculate how your savings grow over time with compound interest.
Contributions vs Interest
Yearly Growth
| Year | Start Balance | Contributions | Interest Earned | End Balance |
|---|---|---|---|---|
| 1 | 10 000,00 $US | 6 000,00 $US | 651,05 $US | 16 651,05 $US |
| 2 | 16 651,05 $US | 6 000,00 $US | 991,33 $US | 23 642,37 $US |
| 3 | 23 642,37 $US | 6 000,00 $US | 1 349,02 $US | 30 991,39 $US |
| 4 | 30 991,39 $US | 6 000,00 $US | 1 725,01 $US | 38 716,40 $US |
| 5 | 38 716,40 $US | 6 000,00 $US | 2 120,23 $US | 46 836,63 $US |
| 6 | 46 836,63 $US | 6 000,00 $US | 2 535,68 $US | 55 372,31 $US |
| 7 | 55 372,31 $US | 6 000,00 $US | 2 972,38 $US | 64 344,69 $US |
| 8 | 64 344,69 $US | 6 000,00 $US | 3 431,42 $US | 73 776,11 $US |
| 9 | 73 776,11 $US | 6 000,00 $US | 3 913,95 $US | 83 690,06 $US |
| 10 | 83 690,06 $US | 6 000,00 $US | 4 421,17 $US | 94 111,23 $US |
Savings Interest: Complete Guide
How Compound Interest Works
Compound interest is calculated on both principal and accumulated interest. More frequent compounding accelerates growth exponentially.
Power of Regular Contributions
Adding monthly contributions dramatically accelerates growth. At 5% interest, $500/month for 10 years grows to over $77,000 with only $60,000 contributed.
APY vs APR
APY accounts for compounding while APR does not. Always compare APY when evaluating savings accounts.
Choosing the Right Account
High-yield savings accounts from online banks typically offer 10-25x the interest of traditional banks due to lower overhead costs.
Practical Example
Scenario: $10,000 + $500/month for 10 Years at 5%
Total contributions: $70,000. Final balance: $77,683. Interest earned: $7,683. Effective return: 11%.
Questions Fréquentes
How often should interest compound?
More frequent compounding is better. Daily > Monthly > Quarterly > Annually. The difference grows with higher rates.
What is a good savings rate?
High-yield savings accounts offer 4-5% APY. Traditional banks average 0.01-0.5%.
Should I save or invest?
Keep 3-6 months expenses in savings. For 5+ year goals, investing historically provides higher returns.
How much to save monthly?
A common guideline is 20% of income. Start small and increase gradually.
Is interest taxable?
Yes, standard savings interest is taxable as ordinary income. Tax-advantaged accounts offer tax-free growth.
Estimations. Consultez un conseiller financier.
📚 Références
- Federal Reserve - Consumer Guide to Savings (federalreserve.gov)
- SEC - Compound Interest Calculator (sec.gov)