About HYSACalc.com
Free HYSA, CD, and savings calculators with transparent math.
What we do
HYSACalc.com is a free site for high-yield savings math. We build calculators that show exactly what a balance earns at a given APY and how compound interest builds year by year, and we compare savings accounts on the terms that hold steady. We do not tell you which account pays the most today, because that changes without notice and we have no maintained rate feed. We send you to the bank for the current number.
Why we built it
Most savings calculators hide the math behind a simple result. Ours show every monthly step, every year, and let you compare two scenarios side by side. The goal is to make it easy to see why a higher APY matters and how regular contributions stack up over time.
Why we do not publish bank rates
We publish no individual bank APY anywhere on this site. We tried it, and roughly sixty hard-coded rates drifted 80 to 135 basis points above what the banks were actually paying, with nothing in place to notice. Keeping them honest needs a maintained feed, and we do not have one, so we removed them rather than refresh them. What we do publish are figures from maintained primary sources, currently the FDIC national averages and the Federal Reserve target range, and each one carries its own as-of date. For your rate, the bank's own page is the only source that is right by definition.
How we make money
Bank links on this site go directly to the provider and we are paid nothing if you open an account. We hold no compensated relationship with any bank today. We may add approved affiliate relationships later, and the disclosure on each page is generated from what is actually approved, so it changes when the relationship does. Either way it does not change the order of any list.
Not financial advice
HYSACalc.com is for educational and informational use. We do not provide financial, tax, or legal advice. Always confirm the APY at the bank before opening an account and consult a licensed advisor for personal planning questions.