Here's how much more you'll save in a high-yield savings account versus a checking account - Business Insider

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You could save hundreds over the years by putting your money in a high-yield savings account instead of regular checking

Compound interest helps you earn money on top of your money$100 each month into a no-interest checking account. The difference becomes apparent over time.principal from the 12 monthly $100 deposits, while the savings account will have a balance of aboutAfter five years, the difference becomes noticeable. The checking account will have a balance of: Over $150 of interest will have accrued over those five years.

After 10 years, the checking account will be at $12,000 while the savings account will have a balance of $12,620.33; after 20 years the checking account will have $24,000 and the savings account will have $26,567.92; and after 40 years the checking account will have $48,000 and the savings account will be at $59,017.97 — over $11,000 higher.

That's not to say that keeping money in a savings account for 40 years is the most advantageous move. Generally, if you don't need the money for four decades, . In this scenario, we've projected out 40 years just to show how compound interest can work in your favor.

 

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