Regular Saver Calculator
What regular saver accounts return.
Calculate regular saver account maturity. Enter monthly deposit, rate, and term to see result. Instant results from your inputs, with the methodology visible.
What this tool does
This tool calculates the maturity value of a regular saver account. Enter monthly deposit, annual rate, and term in years. Shows maturity amount, total deposited, and interest earned.
Enter Values
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. Nudge the inputs toward your own situation and the output recalculates instantly. 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. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.
How the math works
Future value of ordinary annuity with monthly compounding. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".
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
Future value of ordinary annuity with monthly compounding.
Frequently Asked Questions
What's a good regular saver rate?
Can I withdraw early?
Why do regular savers pay more?
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