APY Savings Calculator
Calculate compound interest earnings on your savings. Uses monthly compounding (most common for savings accounts).
貯蓄計算機
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How Compound Interest Works
Compound interest means you earn interest on your interest. With monthly compounding at 5% APY, your $10,000 grows to $16,470 in 10 years without adding anything extra.
Formula: A = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]
Where P = principal, r = annual rate, n = 12 (monthly), t = years, PMT = monthly contribution