Savings & Interest
Savings & Interest
Estimate savings growth and understand when interest becomes available.
Find your calculatorSavings planning
Make more informed decisions about your savings
Savings calculations answer different questions: how much interest could build up, how much you need to save towards a goal, and whether inflation or tax changes the result. Start with the decision that matters to you.
Start with your question
How much interest might I earn?
Model deposits, interest crediting and compound growth. Interest earned is not always the same as interest available to withdraw.
Open calculatorHow much should I save each month?
Work backwards from a target, an initial balance, a time horizon and an assumed AER.
Open calculatorCould my savings interest be taxable?
Estimate interest against your Personal Savings Allowance; your full tax position may depend on other income.
Open calculatorIs my money keeping pace with inflation?
Compare nominal account growth with what that money may be worth in today’s purchasing power.
Open calculatorWhat to know before you calculate
AER and compound interest
AER expresses an annual equivalent interest rate, making savings accounts easier to compare when interest is compounded. The frequency and timing of interest payments can still affect how quickly credited interest becomes available and starts earning more interest.
Savings interest and tax
The Personal Savings Allowance depends on your income tax band, and other savings income may affect your position. A tax estimate is a starting point, not a substitute for checking your circumstances with HMRC.
Inflation and real returns
An account balance can rise even if purchasing power falls. Comparing the assumed savings rate with assumed inflation helps distinguish the pounds you may have from what those pounds might buy.
Read practical guides
Put savings rates in context
Explore UK Bank Rate and inflation trends alongside your savings calculations. Market indicators are context, not a guarantee of the rate offered by a savings provider.
Savings & Interest
Explore calculators in this category
Clear, practical estimates to help you plan with more confidence.
4 calculators available
Savings Goal Calculator
Work out how much to save each month to reach a savings target by your chosen deadline, including compound interest.
Calculate your estimateSavings interest calculator
Estimate daily savings interest, regular deposits, interest payment delays and the balance available on your cash-out date.
Calculate your estimatePersonal Savings Allowance Calculator
Estimate how much interest you can earn before paying UK savings tax, and how much tax may be due in 2026/27.
Calculate your estimateInflation vs Savings Calculator
See whether your savings keep up with rising prices and what their future balance is worth in today's money.
Calculate your estimateNo calculators found
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