100% Client-Side • Zero Server Storage • Private & Free Forever
Updated for October 2026: Top Online HYSAs 4.15%–4.60% APY • 1-Year CDs 4.25%–4.85% APY • 10-Year US Treasury 5.00% (Fed Funds 4.00%)
Account Structure:
Savings Deposits & Rate
Configure your initial principal, interest rate, and compounding intervals.
$
Quick:
$
$
Deposit:
$
%
Institutional Benchmarks:
%
Private & Secure: 100% computed in browser. Zero data or files sent to servers.
Client-Side Web EngineProjected Compound Growth
Principal accumulation, interest yield, and final balance.
Final Balance
$13,529
After 12 monthsTotal Interest Earned
+$529
4.602% Effective APYCalculation Result
Initial Deposit
$10,000
Starting principal
Total Additional Contributions
$3,000
12 monthly deposits of $250
Total Principal Invested
$13,000
Your total out-of-pocket savings
Private & Secure: 100% computed in browser. Zero data or files sent to servers.
Client-Side Web Engine🇺🇸 United States Benchmark Yields
Current High-Yield & Certificate of Deposit (CD) Benchmarks
Projected annual cash earnings on a $10,000 allocation.
FDIC Insured ($250,000)
| Institution & Account | APY / AER | Est. Annual Yield | Est. Monthly |
|---|---|---|---|
High-Yield Savings (HYSA)RecommendedTop-Tier Online Bank (US) • Liquid / No lockup | 4.2% | $420/yr | +$35/mo |
Certificate of Deposit (CD)Direct Bank 12-Month CD • 1-Year Guaranteed Term | 4.25% | $425/yr | +$35/mo |
Cash Sweep PortfolioHigh-Yield Cash Account • Same-Day Transfers | 4.1% | $410/yr | +$34/mo |
Standard Checking / SavingsTraditional Brick & Mortar • National Average | 0.01% | $1/yr | +$0/mo |
FDIC Insured ($250,000)
Regulated by CFPB & Federal Reserve
Zero Lockup on Liquid Balances
Advertising & Affiliate Disclosure: ConvertSheet is an independent educational calculation service and may receive compensation from partner financial institutions when users click to compare rates. Zero client data or calculated figures are ever shared.
Final Balance$13,529