About APYCalculator.com

APYCalculator.com is an independent commercial website providing free calculators and plain-language guides to compound interest, savings accounts, and yield-bearing deposit products available to US consumers.

What we do

We build calculators that answer specific financial planning questions: how much will my savings grow at a given APY? How long will it take to reach a specific balance? How does APR differ from APY? Each calculator pairs with explainer content covering the real-world tradeoffs.

How we make money

We earn revenue through display advertising (Google AdSense) and affiliate partnerships with select financial institutions. When you click an ad or open an account through our links to a partner bank, we may earn a commission at no cost to you. These partnerships do not affect the rate or terms you receive, and they do not influence which institutions we cover or how we describe their products.

Every advertisement is clearly labeled. Our affiliate comparison tables include the required FTC disclosure. Every external link to a partner uses appropriate rel="sponsored" markup so search engines and screen readers can identify the relationship.

What we are not

We are not a bank. We do not accept deposits, hold customer funds, or process account applications. The calculators on this site are for informational purposes and do not constitute financial advice. Always verify current rates and terms with the issuing financial institution before opening an account, and consult a qualified financial advisor for personalized advice.

Editorial standards

See our editorial standards page for our full process — including how we source data, how we update rates, and our conflict-of-interest policy.