Investment & savings calculators
See how savings and investments grow, what term deposits pay after tax, what inflation takes away, and when you could afford to stop work.
12 calculators, free and with no sign-up. Every result shows its working.
How could your savings grow?
The compound interest calculator's working, compounding monthly. The return is an assumption: change it to test others.
- You put in $130,000
- It earned $237,912
The balance at the end of each year, split into deposits and earnings.
Where most people start
Compound Interest Calculator
How savings grow when interest earns interest, year by year
Term Deposit Rate Comparator
Every bank's best rate for your term, and what you'd keep after tax
HECS/HELP Repayment Calculator
Your compulsory HELP repayments, and when the debt is gone
FIRE Calculator (Financial Independence & Retirement Estimator)
When your super, savings and investments could let you stop work
All 12 calculators, by what they answer
Growing your savings
- Compound Interest CalculatorHow savings grow when interest earns interest, year by year
- Term Deposit CalculatorThe interest a term deposit pays, before and after tax
- Term Deposit Rate ComparatorEvery bank's best rate for your term, and what you'd keep after tax
- Inflation Impact CalculatorWhat inflation does to your money's buying power over time
Investing
- ETF Returns CalculatorAn ETF's likely growth with dividends, after its management fee
- Dividend Income CalculatorThe income dividend shares and ETFs could pay you
- Dollar Cost Averaging CalculatorInvesting a lump sum at once against spreading it out
- Crypto ROI CalculatorThe return on a crypto trade, before and after capital gains tax
- Staking Rewards CalculatorWhat staking a proof-of-stake coin could earn as yields move
Every bank's best savings and term deposit rate today
Read from each institution on 7 November 2026The figures in full
As of 7 November 2026, the highest savings rate is 5.75%, from Defence Bank Limited's iSaver, while the typical best across 73 institutions is 4.85%. The highest 12-month term deposit rate is 5.75%, from Suncorp Bank's Term Deposit, while the typical best across 65 institutions is 5.30%. Prices rose 4.3% in the year to September 2026, so savings earning less than that lose ground to inflation, before tax.
The real products and rates
Run the numbers here, then see what's actually on offer: every product, policy or payment rate, as its provider or the government publishes it.
Questions these calculators answer
- What is compound interest?
- Interest worked out on your original amount plus the interest it has already earned. Simple interest is only ever worked out on the original amount, so the gap between the two keeps widening the longer the money stays put. Open the Compound Interest Calculator
- What happens when my term deposit matures?
- Banks give a grace period after maturity - check yours - when you can withdraw, reinvest or change the term without penalty. If you don't act, the deposit usually rolls over at the bank's rate for the same term, which may be lower than its advertised rates. Open the Term Deposit Calculator
- How often are rates updated?
- Every night. The rates come from each bank's Consumer Data Right feed, and the result shows the date they were read. Banks can change rates at any time, so confirm the rate on the bank's product page before you open an account. Open the Term Deposit Rate Comparator
- What are franking credits?
- Franking credits (or imputation credits) represent tax the company has already paid on its profits. When you receive a fully franked dividend, you get a tax credit for the 30% company tax already paid. If your marginal tax rate is below 30%, you receive the difference as a refund. This system prevents double taxation and makes Australian dividends globally unique. Open the Dividend Income Calculator