FreeByte

High-yield savings calculator

What moving to a better account is worth.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
0.4%
4.5%

Extra interest

$3,228

New balance

$28,529

With these inputs, extra interest comes to $3,228 over 3 years. New balance works out to $28,529.

Balance at current APY
$25,301
First-year gain
$1,025

Over time · by years

What moves the number · Extra interest

Input−10%Now+10%
Balance$2,905$3,228$3,551
Current APY$3,258$3,228$3,198
New APY$2,861$3,228$3,598
Years$2,884$3,228$3,577

Solve for an input

Whatmakesequal

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What moving to a better account is worth.

A worked example

Starting figures

Balance
$25,000
Current APY
0.4%
New APY
4.5%
Years
3

What it returns

Extra interest
$3,228
New balance
$28,529
Balance at current APY
$25,301
First-year gain
$1,025

How to read the results

With the defaults above, extra interest works out at $3,228.

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