Regular Saver Calculator
What regular saver accounts return.
Calculate regular saver account returns by entering your monthly deposit, annual interest rate, and term to see maturity value and interest earned.
What this tool does
Regular saver account maturity value compounds monthly deposits at the annual rate across the term. This calculator estimates the final balance you'd accumulate, showing three outputs: the maturity amount (your total balance at the end), the sum of all deposits made, and the interest earned on those deposits over time. The result depends most on your monthly deposit amount and the annual rate offered. A longer term allows more deposits and compounding to occur. The calculation models ordinary annuity mathematics with monthly compounding, meaning interest accrues each month on your growing balance. A typical scenario: depositing a fixed amount monthly into an account offering a fixed annual rate, then seeing what the account grows to after a set period. Note that this illustration assumes a constant rate and regular deposits throughout—actual accounts may vary with rate changes or missed deposits. Results are for educational comparison only.
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Formula Used
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Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
Regular saver accounts take fixed monthly deposits and apply a higher interest rate than standard savings. Regular savers often pay 5-7% (vs 3-4% on easy-access) for committing to deposit a consistent monthly amount. This calculator shows the maturity value.
500 monthly for 1 year at 6% produces 3,107 maturity (3,000 deposited + 107 interest). Over 2 years at 500/month: 12,762 maturity. Rate matters more than term on regular savers because they typically cap at 12-24 months.
Regular savers have limits. Most cap monthly deposits at 200-400 and require full term commitment (missed payments often drop the rate). They're useful for building emergency funds or specific savings goals rather than serving as primary investment accounts.
Run it with sensible defaults
Using monthly deposit of 500, annual rate of 6%, term of 1, the calculation works out to 6,167.78. The defaults are meant as a starting point, not a recommendation.
The levers in this calculation
The inputs — Monthly Deposit, Annual Rate, and Term — do not pull with equal force. Not every input has equal weight. Adjusting one input at a time toward extreme values shows which ones move the result most.
How the math works
Future value of ordinary annuity with monthly compounding.
Turning the result into a plan
A projection is just a starting point. The real work is setting the monthly amount aside automatically so the saving happens before you can spend it. Most people who hit savings goals set up a standing order on payday; most who miss them rely on willpower at month-end.
What this doesn't capture
The calculation assumes a steady savings rate and a stable interest rate. Real saving journeys include emergencies, windfalls, and rate changes — especially in easy-access products. The figure is a direction of travel, not a guarantee.
££500/mo at 6% for 1 yearsyrs = 6,167.78.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
The calculator computes the future value of a series of regular monthly deposits using the ordinary annuity formula. It converts the annual interest rate to a monthly rate, then applies the compounding formula to determine how deposits grow over the specified term. The model assumes deposits are made at the end of each month, the interest rate remains constant throughout the period, and interest compounds monthly without interruption. It treats all deposits identically and does not account for account fees, tax on interest earned, inflation, or changes to the deposit amount. Results represent the mathematical accumulation of principal and interest under these steady-state conditions.
Frequently Asked Questions
What's a good regular saver rate?
Can I withdraw early?
Why do regular savers pay more?
Why does the calculator show less interest than the advertised rate suggests?
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