CALCULATOR · FREE免费 · Free
Business Savings Calculator
Business cash often sits in checking at 0 interest. Enter starting balance, APY, monthly deposits and years to estimate ending balance and interest, then compare fees, FDIC insurance and liquidity.
--End balance · $
--Contributions · $
--Interest · $
Estimates only; verify on site before ordering or building.
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Example
| Item | Value | Unit |
|---|---|---|
| Starting balance | 10000 | $ |
| APY | 4 | % |
| Monthly deposit | 500 | $ |
| Years | 3 | years |
| End balance | 30363.5 | $ |
| Contributions | 28000 | $ |
| Interest | 2363.5 | $ |
Where people go wrong
- Treating APY as simple interest.
- Ignoring monthly fees or minimum balances.
- Assuming fintech partner-bank insurance is unconditional.
FAQ
Is APY the same as interest rate?
APY includes compounding, so compare accounts using APY.
Is business savings insured?
It depends on structure; bank deposits are usually FDIC-insured, while fintechs may use partner-bank pass-through with different limits and conditions.
Is this a live rate?
No; enter the APY you see and the tool only does the math.