Savings That Pay You Back

A money market account blends savings-account safety with interest rates closer to short-term investments. This money market calculator projects how an initial deposit plus monthly contributions grows at your APY — and shows exactly how much of the final balance is your own money.

How the Math Works

Interest compounds on the running balance at the APY, with contributions added monthly. The future value combines two pieces: the initial deposit compounding over the full term and the contribution stream compounding as each deposit arrives. The chart separates balance from contributions so the interest's accelerating effect is visible.

The Early-Money Advantage

Compounding rewards time, not size: the interest earned in later years dwarfs earlier years, and contributions made sooner earn far more than identical ones made later. Compare terms and APYs here — a fraction of a percent compounds into a meaningful difference.