About this site
HYSA Calculator does one thing: it works out what a savings account will actually pay you, and shows the maths it used. There is nothing to sign up for and nothing being sold.
Why it exists
Most savings calculators are built by banks. That is not a conspiracy, it is just marketing, and it produces two predictable results. The tool is a doorway to an account application, and the awkward details get left out because they do not help the conversion rate.
The other category is generic calculator sites that host four hundred unrelated tools. Those are usually free of sales pressure and also free of anyone checking whether the formula is right. Several of the most-visited savings calculators on the web treat APY as though it still needs compounding, which quietly overstates every result they produce.
This site was built to sit in neither category. The formulas are correct, they are published in full, and there is no account at the end of the funnel because there is no funnel.
Who writes it
Placeholder to replace before launch. The name and description below are
stand-ins. Swap them for the real owner's details in src/lib/site.ts, along
with a genuine background and, ideally, a link to a professional profile. On a money topic,
a real named person with a verifiable history is worth more than any amount of on-page
optimisation. See PRE-DEPLOY.md.
Nathan Cole built the calculators, wrote the guides, and maintains the formulas behind them. Rate figures get re-checked against FDIC releases, and every claim that rests on a number links to the primary source rather than to another article quoting it.
This is not financial advice and nobody here is your adviser. The site explains how the maths works and what the rules are. Decisions about your own money need someone who knows your circumstances.
How it stays free
There are no ads, no affiliate links, and no sponsored placements. Nobody pays to appear here, which is also why you will not find a table of recommended banks. The moment a site earns money per click on a bank, its rankings stop being about the banks.
Running costs are trivial. The site is static files on a content delivery network and there is no database. Google Analytics counts page views so we know which guides are worth expanding, with advertising features switched off and the figures you type kept out of what gets reported. The privacy policy spells out exactly what that collects.
What we deliberately do not publish
No rate tables with named banks. Rates change weekly and a stale table sends people to an offer that expired months ago. The only rate figures here are the FDIC national average and the broad range online banks are advertising, both carrying the date they were checked.
No reviews, ratings, or testimonials. There are none to report, and inventing them is both dishonest and a structured data violation.
No predictions about where rates go next. Nobody knows, and the ones who say they do are selling something.
Telling us when something is wrong
If a number here does not match what your bank pays, or a formula looks off, email contact@hysacalculator.us with the page and the inputs you used. Corrections get made and the updated date on the page changes to reflect it.
That includes disagreements about the maths. The calculation library has a test suite behind it, and if you can produce a case it gets wrong, that is a useful thing to receive.