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Money Market Calculator

Calculate interest earnings, compound growth, and APY on your money market account. Compare daily, monthly, and annual compounding scenarios.

Account Details

Enter your deposit, interest rate, and time horizon

Deposit & Rate

Your starting balance

Check your bank's current MMF rate

Additional Contributions

Added at start of each month

For after-tax interest estimate

For real return estimate

Money Market vs Other Accounts

MMA Typical APY

4.5–5.3%

HYSA Typical APY

4.3–5.1%

Trad. Savings APY

0.01–0.5%

1-Year CD APY

4.5–5.5%

Final Balance
$--
end of term
Total Interest Earned
$--
before tax
Key Figures
APY (Effective)--%
Total Contributions$--
After-Tax Interest$--
Real Return (after inflation)--%
Monthly Interest
$--
avg per month
Daily Interest
$--
avg per day

FDIC / NCUA Insurance

MMA (bank)$250K insured
HYSA (bank)$250K insured
MMF (brokerage)NOT insured
Credit Union MMA$250K NCUA