Savings Information Initial deposit? $ Saving period? Unit - Select -MonthsYears Annual Percentage Yield? % Monthly contribution or withdrawal? $ Printer-friendly version Your Estimated Balance Original Amount Saved Total Contributions Total Dividends Earned Estimated Total Balance Chart Table Your Estimated Savings Savings Category Amount Original Amount Saved Total Contributions Total Dividends Earned Estimated Total Balance This estimate is based on monthly compounding and monthly crediting of dividends. Actual dividends may vary based on account activity, rate changes, fees, and other factors.This calculator is provided for educational purposes only and should not be considered a guarantee of future earnings or account performance. Submit Compound interest is the interest you earn on both your original deposit and on the dividends that deposit has already earned. Because this account compounds and credits dividends monthly, each month's dividends are added to your balance and begin earning dividends themselves. Over time, this compounding effect can meaningfully increase your savings, especially when you add regular monthly contributions. The Annual Percentage Yield (APY) reflects the effective annual rate of return once monthly compounding is taken into account. This calculator converts the APY you enter into an equivalent monthly rate, then projects your balance month by month over the period you choose. You can adjust your initial deposit, saving period, APY, and optional monthly contribution or withdrawal to see how each one affects your projected balance.