Build your savings with a clearer plan.

Understand where to start, how different ways of saving work, and what can affect your money over time.

Ways to Save

Whether you already have a lump sum or plan to save a little at a time, the way money is added can change how you think about growth and which calculator is most useful.

Looking for practical help with saving?

Explore clear guides on building savings, emergency funds, savings goals, better saving habits and choosing the right savings account.

Browse savings guides

What Can Affect Your Savings?

How much you put aside is only part of the picture. Time, compound growth and inflation can all affect how your savings grow — and what that money may eventually be able to buy.

Inflation

Rising prices can reduce the purchasing power of your savings, even when the amount in your account is increasing.

Explore inflation

Saving for a Goal

Whether you’re building an emergency fund, saving for a deposit or working towards another target, the amount you save and the time available can make a big difference to how quickly you get there.

How long could it take to reach your savings goal? Enter your current savings, regular contributions, target amount and assumed return to estimate how long it could take to reach your goal. Calculate your savings timeframe

Understanding What Your Savings Earn

Savings accounts usually advertise an interest rate to show what your money could earn. Understanding how that rate works — and what terms such as AER mean — can make it easier to compare accounts and judge what you’re actually being offered.

What does AER mean? AER stands for Annual Equivalent Rate. It is designed to show the interest you could earn over a year if interest is paid and compounded according to the account’s terms, making it easier to compare savings accounts on a consistent basis. Understand savings rates and AER
Interest rate The percentage used to determine how much interest your savings earn.
AER A standardised annual rate designed to make savings accounts easier to compare.
Compounding When interest already added to your savings can itself earn interest.

Saving Fundamentals

Before comparing accounts or calculating returns, it helps to understand when saving makes sense, how much cash you may need and where investing fits into the picture.

Saving vs Investing When Should You Save Instead of Invest? Should You Save Before Investing? How Much Emergency Savings Should You Have?

Explore Saving Calculators

Use our saving calculators to explore how your money could grow, how long it might take to reach a goal and how factors such as interest and inflation can affect the numbers.

Future Value Calculator See what a lump sum could grow to over time. Regular Savings Growth Calculator Explore what regular contributions could build over time.
Savings Time Calculator Estimate how long it could take to reach a savings target. Compound Interest Calculator See how compounding can affect growth over time.
Interest Rate Calculator Estimate the rate needed to reach a future savings value. Inflation Calculator Explore how inflation can change the purchasing power of your money.