Savings guides for the decisions that matter
Start with the guide closest to your situation, then use Savings Planner to check it with your own numbers.
Run the numbers before you choose.
Use a calculator first when you want a quick estimate, then compare products or plan a setup.
Savings Calculator
Estimate your final balance from a starting amount, monthly deposits, and either your own rate or current savings account rates.
See which option comes out ahead.
Start with a direct comparison when two options look similar but lead to different outcomes.
ING vs Macquarie savings accounts
Compare a condition-based high-rate saver with a lower-maintenance digital saver.
ING vs Rabobank savings accounts
Compare ING's condition-based bonus saver with Rabobank's new-customer high-interest alternative.
ING vs ubank savings accounts
Compare two condition-sensitive digital savers and see how caps and monthly rules change the answer.
ANZ vs ING savings accounts
See whether the stronger rate is worth the extra monthly rules.
BOQ vs ING savings accounts
Compare BOQ Future Saver's age-limited headline rate with ING Savings Maximiser's broader but condition-heavy setup.
CBA vs Macquarie savings accounts
See whether the higher rate beats the convenience of staying with a major bank.
NAB vs ubank savings accounts
See whether the simpler digital option comes out ahead of the big-bank alternative.
Macquarie vs ubank savings accounts
See whether lower-friction simplicity beats the stronger condition-based digital saver for your cash setup.
Macquarie vs Rabobank savings accounts
Compare a simpler savings setup with a Rabobank option that may look stronger during the intro window.
ubank vs Rabobank savings accounts
Compare a digital-first linked-account saver with Rabobank's intro-rate and simpler ongoing setup.
Westpac vs Rabobank savings accounts
See whether the stronger saver beats the familiarity of a major-bank option.
Find the right guide for your situation.
Start with your balance, age, or one rule you want to avoid.
Best savings accounts for $5k to $25k
One shortlist for small and mid-sized balances, with the dollar difference spelled out so you can decide whether extra conditions are worth it.
Under $25k the same handful of accounts usually lead. What changes is whether the extra dollars justify the monthly rules.
Best savings accounts for $50k
A benchmark balance where intro offers, bonus caps and ongoing conditions all start to move the answer by hundreds of dollars.
At $50k the rate gap is real money, so it is worth checking both the conditions and where each account's bonus cap sits.
Best savings accounts for $100k
A larger-balance scenario where bonus caps, promo windows and monthly rules can all change the answer, and where splitting across banks starts to earn its place.
Useful when one account may still work, but caps, intro windows and allocation across accounts need to be checked in dollars.
Best savings accounts for $250k and above
A large-balance guide for savers who need to think about bonus caps, excess-balance rates, the $250,000 deposit guarantee, and whether one account can still carry the full balance.
Useful when the decision shifts from picking one savings account to checking whether the setup rewards the full balance.
Get an answer based on your own setup
Use Savings Planner to check the strongest setup for your balance, age, and time frame.