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Help

xI want to commit to saving a regular amount each month of...
With regular savings accounts you have to pay in every (or nearly every) month. If you don’t, or you make too many withdrawals, there are penalties. In return however, you get bonus interest.

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Help & advice

First enter the amount to the nearest £ (minimum of £100, maximum £100,000) in the savings account you are thinking about.

If you don’t know the rate on your account, we can help you find it as long as you fill in your provider and account name.

If you do know the rate, enter it into the rate box.

When you are ready to go, press the ‘display the results’ button to see how much interest you could be earning on your savings. The results use the current Which? Best Rates for popular account types. These rates may change on a daily basis.

Please enter your savings amount

Complete for one savings account at a time. If you have several accounts, repeat for each. First enter the amount to the nearest £ (minimum of £100) in the savings account you are thinking about.

Select your savings account

If you don’t know the name of your account you should have a look in your passbook or on your paper/online statement. You can always also check on your provider’s website.

Gross interest

Gross interest is the amount you earn before tax is deducted. A basic-rate taxpayer will be deducted at the rate of 20%, a higher-rate taxpayer at the rate of 40%.

Best instant access account

An instant access account is a savings account with a variable rate that allows you to access your money at any time.

Best instant access cash Isa

A cash Isa is a tax-free savings account. You can currently put up to £15,240 a year into your cash Isa.

Best 1 year fixed-rate account

A one-year fixed-rate account is only suitable for those happy to tie their money up for a year.

Best 5 fixed rate account

A five-year fixed-rate account will tie the money up for this period and will not be suitable for those wanting access to the money over this time.