Savings interest calculator
Set your own numbers and see what each savings option costs in pounds, from prices read on each provider’s own page.
- Zopa Limited Access pot 4.56%£456.00
- Chase Saver 4.50%£450.00
- Chip Easy Access 3.81%£381.00
- Chip Instant Access 3.51%£351.00
- Kroo current account 3.00%£300.00
- Zopa Access pot 2.95%£295.00
- Monzo Instant Access 2.75%£275.00
- Atom Instant Saver 2.50%£250.00
Regular published prices only. Introductory offers and tax are left out. Figures are arithmetic on the provider’s own numbers, not a recommendation.
UK prices read 29 October 2026. Default: £10,000 left untouched for 12 months at the published AER, including any first-year bonus.
How it works
The calculator uses only figures each provider publishes. Where a fee is not published, the row says so and the figure leaves it out, which is why such a row ranks after every fully priced one. Introductory discounts are ignored because they end; tax is excluded because it depends on you.
The same code ranks the lists in our savings accounts comparisons, using the defaults shown, so the order on those pages is the order this calculator gives for that profile. See how we rank.
APY, AER and APR: how interest rates are quoted in the US and UK
What APY, AER, gross rate and APR mean, how compounding, fees and tax change them, and how to compare rates on the same basis.
UK comparisonBest easy-access savings accounts in the UK: rates read 29 October 2026
Eight UK savings accounts compared on the AER each provider published, how much of it is a first-year bonus, and the limits on withdrawals.