貯蓄計算ツール
The detailed guide below is currently available in English.
How the projection works
Each deposit is added to the balance at the end of the period you choose, and the whole balance then grows at the compound rate you set. Because interest is earned on earlier interest, the "Interest earned" column in the table accelerates over time even when your deposits stay the same.
よくある質問
What rate should I use?
Use the rate your bank or credit union actually pays today, and remember it may reset when central bank rates change. High-yield savings accounts currently pay far more than standard accounts, so it pays to shop around.
Why does monthly compounding matter?
The more often interest is credited, the sooner it starts earning interest itself. Monthly compounding produces slightly more than the same nominal rate compounded once a year; the difference is small over short periods and meaningful over decades.