UK Savings Calculator

See exactly how much your savings could earn

Nestpot calculates your best savings rate across ISAs, notice accounts, and business reserves — tailored for UK SMEs and individuals.

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Designed for UK tax years · ISA, notice & fixed-term accounts · SME business reserves

What you get

One workspace for all your UK savings decisions

Savings Calculator

Enter your deposit, term, and account type. Nestpot projects your interest earned and total pot — across easy access, notice, fixed-term, and cash ISA accounts.

  • Gross and net interest calculated
  • ISA allowance tracking (2024/25)
  • Side-by-side comparison bars

Rate Comparison

A ranked table of UK savings products with indicative rates — easy access, notice, fixed, and ISA — so you can see exactly where your deposit performs best.

  • Ranked by effective annual return
  • Account type and access period shown
  • Best-for-you highlight based on your inputs

SME Business View

The same calculation logic framed around business reserves and retained profits — with a corporation tax efficiency perspective for UK limited company directors.

  • Business savings scenarios
  • Retained profit angle
  • Corporation tax efficiency callout

How Nestpot works

Three screens, one clear answer

Savings Calculator

Your deposit, your term, your actual return

Enter the amount you want to save and how long you can commit it. Nestpot projects your interest earned across every account type and draws a clear comparison so the answer is obvious, not buried in a table.

  • Gross and net interest — no vague "up to" estimates
  • ISA allowance respected in the calculation
  • Adjustable term from 30 days to 5 years

Rate Comparison

Ranked, not just listed

The rate table sorts every account type by effective annual return so you see the best option first. The row that fits your inputs gets a clear highlight — no cross-referencing required.

  • Easy access, notice, fixed-term, and ISA compared together
  • Access period and restrictions shown plainly
  • Best-for-you row surfaced based on your deposit and term

SME Business View

Built for business reserves, not just personal pots

If you run a limited company and hold retained profits in your current account, Nestpot frames the calculation around business savings — with a plain note on how interest income interacts with corporation tax.

  • Business reserve scenarios distinct from personal savings
  • Retained profit framing for limited company directors
  • Corporation tax efficiency perspective, clearly worded

Getting started

From blank to clarity in four steps

01

Enter your deposit details

Type your available amount, choose how long you can commit the money, and pick whether you want to include business accounts, personal ISAs, or both. No account creation needed to start.

Works for both personal and limited company savings
02

See your projected returns

Nestpot calculates the interest you would earn across each account category — cash ISA, notice, fixed-term, and easy access — and shows the figures side by side. No digging through small print.

Gross and net interest displayed separately
03

Compare account types at a glance

The rate comparison screen ranks every account by effective return for your specific deposit and term. The row that suits your situation is highlighted — so you know where to put your money, not just what the options are.

Filters for access period and account type
04

Save your scenarios

Create an account to save your calculations and return to them later. Compare a business reserve scenario against your personal ISA in the same workspace — and share results without sharing your login.

Create your account

Why Nestpot

Your savings deserve more than a government form and a guess. Nestpot gives you the numbers — specific to your money, your account type, your tax year.

Every existing UK savings tool was built for general guidance. Nestpot was built for people who already know they want better — and just need to see the exact figure.

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Common questions

Is Nestpot right for a limited company?

Yes. The SME Business View is built specifically for UK limited company directors who hold reserves or retained profits. It frames the calculation around business savings and adds a plain note on how interest income interacts with corporation tax.

What account types does Nestpot cover?

Cash ISAs, notice accounts (30, 60, and 90-day), fixed-term deposits, easy access savings accounts, and business savings. The rate comparison screen shows them all side by side so you can judge access versus return for your situation.

Does Nestpot give regulated financial advice?

No. Nestpot is a calculation and comparison tool, not a regulated adviser. The figures it produces are projections based on the rates and terms you enter. For personal recommendations, you should consult a qualified financial adviser.

Do I need an account to use the calculator?

You can use the calculator without creating an account. Creating an account lets you save scenarios and return to them, and gives you access to the SME business savings view and the full rate comparison table.

Is my data kept private?

Yes. Your saved calculations are only accessible to your account. We do not sell or share your financial inputs. The numbers you enter stay yours.

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Put your savings to work

Nestpot is the clearest way to see where your money earns most — whether you're an individual with an ISA or an SME director with retained profits sitting idle.

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Takes you to sign-up. No payment details needed to start.