Tools
See what your goal really takes
Enter a target and a date, and the savings calculator tells you the monthly deposit that gets you there at 4.15% APY. No sign-in, no email address, no follow-up call.
What it shows you
Four numbers, and the reasoning behind each one.
The monthly deposit
The amount you need to set aside each month to reach your target on the date you picked, rounded to the nearest dollar.
Interest doing its share
How much of the final balance comes from 4.15% APY rather than from your own deposits. On longer goals it is a larger share than most people expect.
A month-by-month schedule
Every month of the plan, with the running balance, so you can check whether you are on pace at any point.
The other direction
Enter what you can afford instead of a date, and it tells you when you will arrive rather than what you must contribute.
Nothing collected
The calculator runs in your browser. We do not store what you enter and you will not hear from us about it afterward.
A one-tap handoff
Happy with the plan? Send the monthly amount straight to an automatic transfer on your High-Yield Savings account.
How to use it
Four inputs, and the third one is the only one people get wrong.
Name the goal
An emergency fund, a down payment, a wedding, a new roof. Naming it matters more than it sounds, because vague goals get raided first.
Set the target amount
For an emergency fund, use three months of essential spending. For a purchase, use the real price including tax and fees rather than the sticker.
Enter what you already have
Count only money genuinely set aside for this goal. Including your checking cushion here is the most common way a plan quietly falls behind.
Pick a date, then adjust
If the monthly number looks uncomfortable, push the date out and watch it fall. Finding a figure you will actually stick to is the whole exercise.
A worked example: the emergency fund
A household with $3,000 in essential monthly spending sets a $9,000 target, starts with $500 already saved, and gives itself eighteen months. The calculator returns $457 a month.
Rates current as of July 2026 and subject to change. Membership eligibility required. This is a demonstration website; rates, products, and figures shown are illustrative only.
Common questions
What rate does the calculator assume?
4.15% APY, the current rate on High-Yield Savings, compounded daily and credited monthly. You can enter a different rate if you are modeling a certificate or an account elsewhere.
Does it account for taxes on the interest?
No. Dividends on a savings account are taxable income and you will receive a 1099-INT if you earn more than $10 in a year. The projection shows pre-tax figures.
How large should an emergency fund be?
Three months of essential expenses is the common starting point, and six months suits anyone with variable income or a single earner in the household. Essential means housing, food, utilities, insurance, and minimum debt payments.
What if I miss a month?
Nothing breaks. Re-run the calculator with your current balance and the same target date, and it will show the adjusted monthly figure. Most plans absorb one missed month with a small increase.
Should I use a certificate instead?
Not for an emergency fund, since you would pay a dividend penalty to reach it early. For a goal with a firm date, a matching certificate term can pay more, up to 4.65% APY on twelve months.
Can an advisor go through this with me?
Yes, at no charge and with nothing to buy. Certified financial counselors are available at all 42 branches and by phone, whether or not you bank with us today.
Turn the number into a transfer
Open High-Yield Savings at 4.15% APY and schedule the monthly amount before the plan becomes something you meant to start.