Calculate the difference between starting your investment today versus waiting 12 months. The lost interest in that first year often results in a significantly lower final balance due to missed compounding cycles. Inflation vs. Yield
Many accounts have "teaser rates" that drop after a certain balance; use the sheet to see if moving funds is worth the effort. If you'd like to dive deeper into a specific scenario: Initial investment amount (e.g., $5,000 or $50,000) Monthly contribution plan (e.g., $100/month) Target goal or timeframe (e.g., buying a house in 5 years) Download APY CHAT xlsx
To help you get the most out of your data, Core Data Points Yield Many accounts have "teaser rates" that drop
Compare a standard savings account (0.01% APY) against a High-Yield Savings Account (4.00%+ APY). The spreadsheet will show a dramatic "hockey stick" curve where the gap between the two grows exponentially over 10+ years. The "Wait" Cost The "Wait" Cost Find what APY you need
Find what APY you need to hit a specific savings goal.