Effective Interest Rate Calculator

  • The amount of money you're investing or saving.


  • The annual percentage your savings provider pays you in interest.

  • How long you'll keep your money saved or invested before receiving any bonus or interest.

  • The extra cash reward you receive for signing up or saving with a specific provider.

  • The true interest rate you're earning over a year, including both standard interest and any bonus.

  • The portion of your total interest rate that comes from the bonus reward.

  • The total amount of interest you'll earn over the specified period.

  • The full amount you'll have at the end, including your initial deposit, interest, and any bonus.