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Savings

Where cash should sit, and what it costs to leave it in the wrong place. Inflation operates without any transaction taking place, so the difference between two federally insured accounts compounds into real money over a decade while nothing visible happens.

January 9, 2026 · 7 min read

$50,000 Under the Mattress Becomes $20,599 in Thirty Years

At 3% inflation, money loses half its purchasing power every 23.4 years. A high-yield savings account roughly keeps pace and a checking account does not, which decides where cash should and should not sit.

Calculators for savings

Inflation CalculatorSee what inflation does to money over time: the future cost of today's expenses and the future purchasing power of today's dollars.Savings CalculatorSee what your savings grow to with regular monthly deposits at a given interest rate.CD CalculatorCompute the ending value and interest of a certificate of deposit for any term, rate, and compounding frequency.

Savings

$50,000 Under the Mattress Becomes $20,599 in Thirty Years

Calculators for savings

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