Spare Change Savings Calculator
See how your daily spare change adds up over time with interest.
Turn loose coins into real savings.
Total Savings
Spare change savings shows how small daily amounts compound over time.
Total Without Interest = Daily Amount × 365 × Years
Total With Interest = Daily Deposits compounded monthly at the given rate
How much spare change do people save?
- Light saver: $0.50–1.00/day (~$180–365/year)
- Moderate saver: $1.00–3.00/day (~$365–1,095/year)
- Round-up apps: $1.00–5.00/day depending on spending
Where to put spare change savings:
- Piggy bank/jar: 0% interest (but tangible and fun)
- High-yield savings: 4–5% APY (2025 rates)
- Money market: 4–5% APY
- Micro-investing apps: 7–10% historical average (with risk)
The power of small amounts:
- $1/day for 10 years at 5% = $4,735
- $2/day for 10 years at 5% = $9,470
- $5/day for 10 years at 5% = $23,676