revolut interest calculator

What this revolut interest calculator helps you estimate

If you use Revolut savings features and want a clearer picture of future returns, this calculator gives you a quick projection. You can test how your money changes over time based on four core inputs: starting balance, monthly top-ups, interest rate, and time horizon.

Most people underestimate how much regular contributions matter. Even when rates move up and down, disciplined monthly deposits can drive the majority of long-term growth. The calculator is useful for planning goals like an emergency fund, holiday budget, or medium-term cash reserve.

How the calculator works

1) Compound growth

Interest is added to your balance, and then future interest is earned on both your original money and your previous interest. This “interest on interest” effect becomes more visible over longer periods.

2) Regular monthly contributions

After each monthly growth step, the tool adds your monthly contribution. This helps simulate real behavior where you save from salary every month rather than making one single deposit and walking away.

3) Frequency setting

You can switch between daily, monthly, quarterly, and yearly compounding assumptions. For short periods, differences are small. Over longer periods and larger balances, frequency can slightly change your estimated ending amount.

APY, AER, and advertised rates: what to watch

In many banking and fintech products, rates may be shown as APY, AER, or gross annual rates. These are related, but not always presented the same way. If you want consistent estimates:

• Use the same annual percentage basis each time you compare products.
• Check whether the rate is variable and can change.
• Confirm if there are tiered rates, plan-based limits, or caps.
• Read whether earnings are paid daily, monthly, or at another interval.

Example scenarios

Starter saver

Try €500 initial deposit, €100 monthly contribution, and a 3% annual rate for 3 years. This is a useful setup for testing a first emergency fund target.

Steady builder

Try €2,000 initial deposit, €300 monthly contribution, and a 4% annual rate for 5 years. In most cases, total contributions make up the largest share early on, then compounding grows in importance later.

Large cash reserve

Try €15,000 initial deposit, €500 monthly contribution, and a 3.5% rate for 8 years. This helps visualize what happens when both principal and consistency are high.

Why your real Revolut return may differ

• Variable rates: Rates can rise or fall with market conditions.
• Plan rules: Different account plans may receive different yields or conditions.
• Taxes: Interest may be taxable depending on country and personal status.
• Currency effects: If you compare across currencies, exchange rates can influence outcomes.
• Withdrawals: Any money removed early lowers compounding potential.

How to use this tool for better decisions

Run three versions, not one

Create a conservative case (lower rate), base case, and optimistic case. This gives you a range rather than a single fragile number.

Increase contributions first

Small changes in monthly saving often matter more than trying to guess rate changes perfectly. A consistent extra amount each month can beat frequent account switching.

Review every quarter

Recalculate every 3 months with your real balance and updated rates. This keeps your plan grounded in reality and avoids stale assumptions.

Frequently asked questions

Is this an official Revolut calculator?

No. This page is an independent educational estimate tool.

Does it include fees and taxes automatically?

No. The model is pre-tax and fee-free by default. Add your own margin of safety if you expect deductions.

Can I estimate inflation-adjusted value?

Yes. Enter an inflation assumption to see an approximate “real value” of your ending balance in today’s purchasing power.

Final thoughts

A good revolut interest calculator is less about predicting a perfect number and more about helping you build a repeatable savings habit. Use it to test “what if” scenarios, set realistic goals, and stay consistent with contributions. Over time, discipline plus compounding is what does the heavy lifting.