储蓄计算器
储蓄计算器可以用来估计储蓄账户的期末余额和利息。它考虑了许多不同的因素，如税收、通货膨胀和各种定期缴款。可以使用负的起始余额或贡献值。
结果
| 期末余额 | $92,116.99 |
| 开户存款 | $20,000.00 |
| 捐款总额 | $57,319.40 |
| 赚取的利息总额 | $14,797.59 |
累计表
| 月 | 存款 | 兴趣 | 期末余额 |
|---|
| 一 | $20,000.00 | $49.33 | $20,049.33 |
| 2 | $0.00 | $49.45 | $20,098.77 |
| 3 | $0.00 | $49.57 | $20,148.34 |
| 四 | $0.00 | $49.69 | $20,198.03 |
| 5 | $0.00 | $49.81 | $20,247.85 |
| 6 | $0.00 | $49.94 | $20,297.78 |
| 七 | $0.00 | $50.06 | $20,347.84 |
| 8 | $0.00 | $50.18 | $20,398.03 |
| 9 | $0.00 | $50.31 | $20,448.33 |
| 10 | $0.00 | $50.43 | $20,498.76 |
| 11 | $0.00 | $50.56 | $20,549.32 |
| 12 | $5,000.00 | $50.68 | $25,600.00 |
| 第一年末 |
| 13 | $0.00 | $63.14 | $25,663.14 |
| 14 | $0.00 | $63.29 | $25,726.43 |
| 15 | $0.00 | $63.45 | $25,789.88 |
| 16 | $0.00 | $63.60 | $25,853.48 |
| 17 | $0.00 | $63.76 | $25,917.24 |
| 18 | $0.00 | $63.92 | $25,981.16 |
| 19 | $0.00 | $64.08 | $26,045.24 |
| 20 | $0.00 | $64.23 | $26,109.47 |
| 21 | $0.00 | $64.39 | $26,173.87 |
| 22 | $0.00 | $64.55 | $26,238.42 |
| 23 | $0.00 | $64.71 | $26,303.13 |
| 24 | $5,150.00 | $64.87 | $31,518.00 |
| 第二年末 |
| 25 | $0.00 | $77.73 | $31,595.73 |
| 26 | $0.00 | $77.92 | $31,673.66 |
| 27 | $0.00 | $78.12 | $31,751.77 |
| 28 | $0.00 | $78.31 | $31,830.08 |
| 29 | $0.00 | $78.50 | $31,908.58 |
| 30 | $0.00 | $78.70 | $31,987.28 |
| 31 | $0.00 | $78.89 | $32,066.17 |
| 32 | $0.00 | $79.08 | $32,145.25 |
| 33 | $0.00 | $79.28 | $32,224.53 |
| 34 | $0.00 | $79.47 | $32,304.00 |
| 35 | $0.00 | $79.67 | $32,383.67 |
| 36 | $5,304.50 | $79.87 | $37,768.04 |
| 第三年末 |
| 37 | $0.00 | $93.15 | $37,861.19 |
| 38 | $0.00 | $93.38 | $37,954.56 |
| 39 | $0.00 | $93.61 | $38,048.17 |
| 40 | $0.00 | $93.84 | $38,142.01 |
| 41 | $0.00 | $94.07 | $38,236.07 |
| 42 | $0.00 | $94.30 | $38,330.37 |
| 43 | $0.00 | $94.53 | $38,424.91 |
| 44 | $0.00 | $94.77 | $38,519.67 |
| 45 | $0.00 | $95.00 | $38,614.67 |
| 46 | $0.00 | $95.23 | $38,709.91 |
| 47 | $0.00 | $95.47 | $38,805.38 |
| 48 | $5,463.64 | $95.70 | $44,364.72 |
| 第四年末 |
| 49 | $0.00 | $109.42 | $44,474.13 |
| 50 | $0.00 | $109.69 | $44,583.82 |
| 51 | $0.00 | $109.96 | $44,693.77 |
| 52 | $0.00 | $110.23 | $44,804.00 |
| 53 | $0.00 | $110.50 | $44,914.50 |
| 54 | $0.00 | $110.77 | $45,025.27 |
| 55 | $0.00 | $111.04 | $45,136.31 |
| 56 | $0.00 | $111.32 | $45,247.63 |
| 57 | $0.00 | $111.59 | $45,359.23 |
| 58 | $0.00 | $111.87 | $45,471.09 |
| 59 | $0.00 | $112.14 | $45,583.24 |
| 60 | $5,627.54 | $112.42 | $51,323.20 |
| 第五年末 |
| 61 | $0.00 | $126.58 | $51,449.78 |
| 62 | $0.00 | $126.89 | $51,576.67 |
| 63 | $0.00 | $127.20 | $51,703.87 |
| 64 | $0.00 | $127.52 | $51,831.39 |
| 65 | $0.00 | $127.83 | $51,959.22 |
| 66 | $0.00 | $128.15 | $52,087.36 |
| 67 | $0.00 | $128.46 | $52,215.82 |
| 68 | $0.00 | $128.78 | $52,344.60 |
| 69 | $0.00 | $129.10 | $52,473.70 |
| 70 | $0.00 | $129.41 | $52,603.11 |
| 71 | $0.00 | $129.73 | $52,732.84 |
| 72 | $5,796.37 | $130.05 | $58,659.27 |
| 第六年末 |
| 73 | $0.00 | $144.67 | $58,803.94 |
| 74 | $0.00 | $145.03 | $58,948.96 |
| 75 | $0.00 | $145.38 | $59,094.35 |
| 76 | $0.00 | $145.74 | $59,240.09 |
| 77 | $0.00 | $146.10 | $59,386.19 |
| 78 | $0.00 | $146.46 | $59,532.66 |
| 79 | $0.00 | $146.82 | $59,679.48 |
| 80 | $0.00 | $147.19 | $59,826.66 |
| 81 | $0.00 | $147.55 | $59,974.21 |
| 82 | $0.00 | $147.91 | $60,122.13 |
| 83 | $0.00 | $148.28 | $60,270.40 |
| 84 | $5,970.26 | $148.64 | $66,389.31 |
| 第7年末 |
| 85 | $0.00 | $163.73 | $66,553.04 |
| 86 | $0.00 | $164.14 | $66,717.18 |
| 87 | $0.00 | $164.54 | $66,881.72 |
| 88 | $0.00 | $164.95 | $67,046.67 |
| 89 | $0.00 | $165.36 | $67,212.03 |
| 90 | $0.00 | $165.76 | $67,377.79 |
| 91 | $0.00 | $166.17 | $67,543.96 |
| 92 | $0.00 | $166.58 | $67,710.54 |
| 93 | $0.00 | $166.99 | $67,877.53 |
| 94 | $0.00 | $167.40 | $68,044.94 |
| 95 | $0.00 | $167.82 | $68,212.76 |
| 96 | $6,149.37 | $168.23 | $74,530.36 |
| 第八年末 |
| 97 | $0.00 | $183.81 | $74,714.17 |
| 98 | $0.00 | $184.27 | $74,898.43 |
| 99 | $0.00 | $184.72 | $75,083.15 |
| 100 | $0.00 | $185.18 | $75,268.33 |
| 101 | $0.00 | $185.63 | $75,453.96 |
| 102 | $0.00 | $186.09 | $75,640.05 |
| 103 | $0.00 | $186.55 | $75,826.60 |
| 104 | $0.00 | $187.01 | $76,013.61 |
| 105 | $0.00 | $187.47 | $76,201.08 |
| 106 | $0.00 | $187.93 | $76,389.01 |
| 107 | $0.00 | $188.40 | $76,577.41 |
| 108 | $6,333.85 | $188.86 | $83,100.12 |
| 第九年末 |
| 109 | $0.00 | $204.95 | $83,305.06 |
| 110 | $0.00 | $205.45 | $83,510.52 |
| 111 | $0.00 | $205.96 | $83,716.48 |
| 112 | $0.00 | $206.47 | $83,922.94 |
| 113 | $0.00 | $206.98 | $84,129.92 |
| 114 | $0.00 | $207.49 | $84,337.41 |
| 115 | $0.00 | $208.00 | $84,545.41 |
| 116 | $0.00 | $208.51 | $84,753.92 |
| 117 | $0.00 | $209.03 | $84,962.94 |
| 118 | $0.00 | $209.54 | $85,172.49 |
| 119 | $0.00 | $210.06 | $85,382.54 |
| 120 | $6,523.87 | $210.58 | $92,116.99 |
| 第10年末 |
| 年 | 存款 | 兴趣 | 期末余额 |
|---|
| 一 | $25,000.00 | $600.00 | $25,600.00 |
| 2 | $5,150.00 | $768.00 | $31,518.00 |
| 3 | $5,304.50 | $945.54 | $37,768.04 |
| 四 | $5,463.64 | $1,133.04 | $44,364.72 |
| 5 | $5,627.54 | $1,330.94 | $51,323.20 |
| 6 | $5,796.37 | $1,539.70 | $58,659.27 |
| 七 | $5,970.26 | $1,759.78 | $66,389.31 |
| 8 | $6,149.37 | $1,991.68 | $74,530.36 |
| 9 | $6,333.85 | $2,235.91 | $83,100.12 |
| 10 | $6,523.87 | $2,493.00 | $92,116.99 |
*此计算器假设在每个期末进行缴费。
人们出于各种原因存钱，例如购买大件商品，包括房屋和新车。此外，储蓄可以帮助为将来的事情做准备，例如大学学费、婚姻、假期或退休。无论储蓄的原因是什么，不提前计划这些事件都会导致糟糕的财务结果。
储蓄账户
在美国，储蓄账户是主要由联邦存款保险公司（FDIC）承保的银行账户，能够从存款（储蓄）中赚取利息。它们可以在大多数银行、信用合作社或其他金融机构开立，但在特性上有所不同，例如与同一机构的支票账户的协同作用、年收益率（APY）和最低余额要求。关于第一个问题，金融机构通常会为开设储蓄和支票账户提供激励措施，比如免除月费。
虽然储蓄账户通常与支票账户相关联，但它们还是有一些主要区别。支票账户是金融机构的存款账户，允许提取或存入资金。它们具有很高的流动性，而且在大多数情况下，资金可以在没有罚款的情况下提取。此外，他们往往不支付利息，即使支付了利息，利率也是最低的。另一方面，储蓄账户对提款有限制，并可能要求维持最低余额以避免罚款。
储蓄账户的一个重要特征是，它们能够获得通常高于支票账户的利率。然而，一个主要的缺点是，美国的联邦限制每月只允许不超过6笔对外交易（取款）。因此，储蓄账户作为一种存储个人不立即需要的资金（如储蓄或应急资金）的手段最为有用。尽管储蓄账户不像支票账户那样具有流动性，但这仍然是其有益的方面之一。与兑现债券、从退休账户中提款或出售股票或其他资产的相对流动性相比，储蓄账户在需要现金时更容易获得。
同时拥有这两者可能是个好主意；支票账户可以用来储存现金以备不时之需，第二个储蓄账户可以用来存放任何多余的现金，同时可以赚取利息。话虽如此，储蓄账户并不是储蓄和赚取被动收入的唯一途径。有风险水平相似的替代投资可以提供更高的回报，例如 存单 和国库券。拥有多余资金、希望扩大资金规模的投资者可能还想探索其他被动收入选择。
货币市场账户
许多金融机构也提供另一种形式的储蓄账户，称为货币市场账户（MMA）。MMA的利率通常高于储蓄账户，因为存款被投资于证券，而不是贷款或低利率资产。因此，MMA面临着与金融市场相关的风险。某些MMA还可能提供ATM和借记卡服务，这些服务通常与传统储蓄账户无关。具有这些特征的账户可能会有较低的利率。
贡献
在决定向储蓄账户中存入多少钱时，有几个通用指南可以帮助您:
- 应急基金规则& mdash有足够的存款来支付至少三到六个月的生活费用，这也可以作为医疗账单等紧急支出的保险。在突然失业的情况下，有足够的储蓄可以在足够长的时间内提取，以便有机会找到新的工作。
- 10%规则& mdash将每份薪水的10%存起来。
- 50-30-20法则& mdash该规则规定，50%的收入应该用于住房/租金、食品和账单等必需品，30%可以用于餐饮和娱乐等奢侈品，而最后20%应该用于偿还债务或储蓄。
- 美联储银行确定，消费者解决紧急情况所需的平均金额约为2000美元。对于一些人来说，这可能是一个不错的目标数字。
虽然这些指导方针很有帮助，但每个人都需要考虑太多不同的因素，例如他们目前有多少存款、他们的收入与支出之比、他们未来短期和长期支出的预测等等。因此，应该对这些指导方针持保留态度。
储蓄过多？
一般来说，储蓄账户的存款金额没有限制。请记住，对于同一金融机构内的任何账户，联邦存款保险公司只为25万美元或以下的金额提供保险。然而，仅仅因为储蓄账户可以获得的资金没有限制并不意味着永久这样做是一个好主意。还有许多其他机会可以赚取更高的被动收入。股票、债券或房地产投资就是很好的例子，从长远来看，它们通常比储蓄账户提供更高的回报率。此外，美国的通货膨胀率通常高于储蓄账户的回报率。这意味着储蓄账户中的钱不会保持购买力，更不用说赚取收入了。如果流动性储蓄账户资金充裕，并且仍有多余现金，那么寻找其他回报更高的投资选择可能是值得的。
