Savings calculator

Where will your savings be in 10 years?

Pick your bank, enter your balance and what you add each month, and see both paths side by side.

Where is your money now?

Chase0.01% APY

Where is your money now?

Chase0.01% APYMarcus3.50% APYAlly3.10% APYWealthfront3.55% APYSoFi3.30% APYAmex3.20% APYCapital One3.10% APYCIT Bank3.75% APYApple Savings3.50% APYBetterment3.50% APYRobinhood3.60% APYCoinbase Earn3.75% APYChime1.00% APYBank of America0.04% APYWells Fargo0.01% APY

Chase0.01% APYMarcus3.50% APYAlly3.10% APYWealthfront3.55% APYSoFi3.30% APYAmex3.20% APYCapital One3.10% APYCIT Bank3.75% APYApple Savings3.50% APYBetterment3.50% APYRobinhood3.60% APYCoinbase Earn3.75% APYChime1.00% APYBank of America0.04% APYWells Fargo0.01% APY

Bank rates were checked on or after Sep 22, 2026 and may have changed since. The Otus rate (6.00%) is today's average APY across the top 10 Otus Guardian vaults, the same number on our Transparency page. Rates vary and aren't guaranteed. Estimates compound monthly, with deposits added at the end of each month, and assume today's rates hold for the whole period, which they won't. They don't subtract the Otus Guardian fee of $5/month. Otus isn't a bank and isn't FDIC-insured.