How Much Will Your Savings Earn? High-Yield Savings Interest Table
A high-yield savings account pays interest that compounds, usually monthly. APY (annual percentage yield) already includes that compounding, which makes the maths simple: balance × APY = interest for the year.
Checked October 1, 2026. Rates change often; see our rates tracker.
Interest earned in one year
| Balance | 3% APY | 4% APY | 5% APY |
| $1,000 | $30 | $40 | $50 |
| $5,000 | $150 | $200 | $250 |
| $10,000 | $300 | $400 | $500 |
| $25,000 | $750 | $1,000 | $1,250 |
| $50,000 | $1,500 | $2,000 | $2,500 |
For comparison, at a big bank paying 0.01% APY, $10,000 earns $1 a year.
Adding monthly deposits
Saving $200 a month at 4% APY for a year adds $2,400 of your own money plus about $50 of interest. After five years, the same habit grows to about $13,300, including roughly $1,300 of interest. For longer timelines and different amounts, use the compound interest calculator.
Three things that change the numbers
- Rate changes. Savings rates are variable and follow the Federal Reserve. See what rising interest rates mean for your money.
- Taxes. Interest is taxed as ordinary income. See tax on savings interest.
- Balance caps. Some accounts pay their top rate only up to a limit. See are 7% savings accounts real?
FAQ
How much will $10,000 make in a high-yield savings account in a year? About $400 at 4% APY, $300 at 3% and $500 at 5%.
Is interest paid monthly? Most banks compound and credit interest monthly. The APY reflects that, so the yearly total in the table already includes it.
Is my money safe? At an FDIC-insured bank, deposits are insured up to $250,000 per depositor, per bank, per ownership category. See FDIC insurance explained.
Figures and rules in this article are checked against the official sources below. Where they disagree with us, they win.
