Best Savings Account Comparison Calculator [Ultimate Guide]

Hunting for the best savings account interest rate in Singapore? This calculator lets you compare top 12 popular accounts—including DBS Multiplier, OCBC 360, UOB One, UOB Stash, Standard Chartered Bonus$aver & e$aver, BOC SmartSaver, CIMB FastSaver, Trust Bank, Singlife, MariBank, GXS, and SIF GoSavers—using your own numbers.

Enter your average balance, previous month balance, salary credit, card spend, insurance/investment and more.

We’ll compute the effective interest rate (EIR), caps, and annual dollar returns, then rank the accounts so you instantly see your top pick.

Why use this tool:

• Calculates true effective interest rate across base + bonus tiers.

• Models bank rules like salary crediting, card spend, average daily balance (ADB) increase, wealth/insurance, investments, home loan and fresh-funds promos.

• Shows annual interest in S$, not just headline rates.

• Supports youth perks, category stacks, and balance caps (e.g., first S$50k/S$100k).

How to get the most out of it

1. Enter your current and previous balances to capture “fresh funds” / average daily balance (ADB) increase bonuses.

2. Add salary + spend + insurance/investment to see how each bank’s categories stack.

3. Toggle extras (e.g., Youth, NTUC) to reflect your situation.

Start tweaking your inputs to find the highest interest, lowest effort combo that works for you!