Best no-fuss savings accounts for $50k over 12 months

This guide looks at what a 30-year-old saver might see with $50,000 over 12 months, using no-fuss savings accounts only.

Best setups for your cash

Projected return over your selected term using current product data. Check the official bank page before acting.

1-year return

$2,442

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

MyState

Hello Saver account

Est. return

$2,442

Amount

$50,000

Headline rate

5.15%p.a.

Effective rate

4.88%p.a.

$50,000

5.15%

4.88%

$2,442

Details

1-year return

$2,433

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

Macquarie

Macquarie Savings Account

Est. return

$2,433

Amount

$50,000

Headline rate

5.10%p.a.

Effective rate

4.87%p.a.

$50,000

5.10%

4.87%

$2,433

Details

1-year return

$2,425

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

AMP

GO Save

Est. return

$2,425

Amount

$50,000

Headline rate

4.85%p.a.

Effective rate

4.85%p.a.

$50,000

4.85%

$2,425

Details

1-year return

$2,417

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

Bankwest

Bankwest Easy Saver

Est. return

$2,417

Amount

$50,000

Headline rate

5.50%p.a.

Effective rate

4.83%p.a.

$50,000

5.50%

4.83%

$2,417

Details

1-year return

$2,400

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

easyStreet

Flex Saver

Est. return

$2,400

Amount

$50,000

Headline rate

4.80%p.a.

Effective rate

4.80%p.a.

$50,000

4.80%

$2,400

Details

1-year return

$2,258

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

Rabobank

High Interest Savings Account

Est. return

$2,258

Amount

$50,000

Headline rate

5.65%p.a.

Effective rate

4.52%p.a.

$50,000

5.65%

4.52%

$2,258

Details

1-year return

$2,225

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

Arab Bank

Personal Online Savings Account

Est. return

$2,225

Amount

$50,000

Headline rate

4.55%p.a.

Effective rate

4.45%p.a.

$50,000

4.55%

4.45%

$2,225

Details

1-year return

$2,125

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

Unity Bank

MoneyMAX Account

Est. return

$2,125

Amount

$50,000

Headline rate

4.25%p.a.

Effective rate

4.25%p.a.

$50,000

4.25%

$2,125

Details

1-year return

$2,000

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

ING

Savings Accelerator

Est. return

$2,000

Amount

$50,000

Headline rate

5.65%p.a.

Effective rate

4.00%p.a.

$50,000

5.65%

4.00%

$2,000

Details

1-year return

$1,025

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

ANZ Plus

ANZ Plus Flex Saver

Est. return

$1,025

Amount

$50,000

Headline rate

4.75%p.a.

Effective rate

2.05%p.a.

$50,000

4.75%

2.05%

$1,025

Details

Calculator

Check your own setup in the calculator

Start from this guide, then change the amount, age, or time frame to match your own setup.

Check your own setup in the calculator