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1 Select the features most important to your savings

Instant access to my savings

Motivation for ongoing savings

To be rewarded for my loyalty with bonus interest

Help me stay focused by limiting how quickly I can access my savings

Guaranteed interest earnings

ALL CUSTOMERS

High Interest Savings Account (HISA)

Find out more

No fees
Instant access
No minimum balance

X

PremiumSaver

Find out more

Bonus interest applies when you grow your balance by $200 a month (excluding interest).

PremiumSaver

Notice Saver

Find out more

Curb impulse spending
Provide us with notice before accessing your savings
Add to your savings as often
as you like

Notice Saver

Term Deposit

Find out more

Guaranteed interest over a fixed period
Loyalty bonus rate when money is reinvested

Term Deposit

This calculator provides general information so does not take into account your objectives, financial situation or needs. It is not meant to provide a recommendation or personal advice. Before making any financial decisions, you should consider whether you should get advice from a licenced financial adviser. You should also read the Terms & Conditions and in the case of the Notice Saver, the Product Disclosure Statement.

I understand this is not financial advice

2 Enter the amount that you'd like to add to each account

ALL CUSTOMERS

High Interest Savings Account (HISA)

Investment Amount

$

Regular Monthly deposit

$

Rate

% p.a.

X

PremiumSaver

Minimum $200 deposit a month for bonus interest

Starting Balance

$

Regular Monthly deposit

$

Rate

% p.a.

PremiumSaver

Notice Saver

Choose Notice Period

Choose Notice Period
31 Days
60 Days
90 Days

Starting Balance

$

Regular Monthly deposit

$

Rate

% p.a.

Notice Saver

Term Deposit

Choose Term Deposit

Choose Term Deposit
1 Month
3 Months
6 Months
9 Months
12 Months
15 Months
18 Months
2 Years
3 Years
4 Years
5 Years

Investment Amount

$

Rate

% p.a.

Term Deposit

Total amount

Starting balance total: $0

Regular monthly deposit: $0

This calculator is only a model, not a prediction or offer from RaboDirect. The results are only estimates based on information you input and the assumptions set out below. The actual amounts earned may be higher or lower. Next

3 See how your savings grow over time

Starting balance: Additional deposits: Interest earned:

Total Savings

EDIT SAVINGS

Show me

Savings over time

5 Years

3 Months
6 Months
1 Year
2 Years
3 Years
4 Years
5 Years
10 Years
20 Years

Savings up to an amount

Show Results

Interest rates have been assumed to be constant for the duration of the savings period. Interest rates are also based on existing personal customers, different rates apply for business and SMSF customers. Interest rates exclude the four month variable introductory rate, but may include the current standard variable rates and also bonus rates. Bonus rates are temporary but have been assumed to be constant for the purposes of this calculator. Interest is assumed to be paid monthly and a deposit frequency as selected by you for the duration of the savings period.

Interest rate tiering is considered for all account types. The calculator takes into account all relevant interest rates but will display the lowest rate available. You can check out the full breakdown of our rates and tiers here.

No allowance has been made for inflation, taxes payable or other economic conditions.

Each year has been assumed to contain 52 weeks, 26 fortnights and 12 months of equal lengths. Interest is calculated daily based on a 365 day year, so interest payable will be calculated depending on the varying number of days for a particular month. Total saving and interest earned for the duration of the savings period are rounded to the nearest dollar. The accuracy of these amounts will be depended on the rounding of interest credited to the accounts.

For the PremiumSaver Account, in order to earn the maximum interest rate the closing balance at the end of each month has to be $200 higher than the opening balance at the beginning of the month, excluding interest earned. View Savings Products

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