Savings ladder builder
Split a surplus above your easy-access floor into staggered fixed-term rungs, and watch a ladder shrink the reinvestment swing you cannot call.
Savings ladder builder
Only the money above your easy-access floor. Keep the buffer itself where you can reach it any day.
An editable illustration, not a rate on offer. The euro-area one-year household average was 1.91% in May 2026 (ECB); your provider's rate will differ.
Advanced options
The share of interest your country takes. Editable, so set your own: Ireland's DIRT 33%, Germany's 26.4%, France's PFU 31.4%, Portugal's 28%, Italy's 26%, Slovenia's 25%, Spain's 19%, the UK's 20% above the savings allowance. The Netherlands taxes savings through Box 3, not the interest directly.
How far the rate might have moved by the time a rung matures. Nobody can call the direction, which is the whole point.
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When each rung matures
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These figures are an illustration you built, not a forecast and not a rate on offer.
Savings rates can fall as well as rise, and what a rung earns at reinvestment depends entirely on the rate on offer at the time.
Your net return depends on your provider and on how your own country taxes savings interest.
This calculator gives educational guidance, not financial advice. It does illustrative arithmetic and names no bank, account, fund, or provider. Rates and taxes are editable assumptions you set; for decisions about your own money, talk to a regulated adviser in your market.
What this calculator does
A savings ladder splits a lump sum across several fixed-term deposits that mature in different years, so one rung frees up regularly while the rest stay locked at fixed rates. This tool takes your own surplus, rung count, and term, and shows each rung's maturity, the blended rate, the interest after your tax, and how much smaller the reinvestment swing is on one maturing rung than on the whole sum locked in a single term.
How this calculator works
The tool splits your surplus into equal, evenly-staggered rungs and grows each with annual compounding of the rate you set (maturity equals principal times one plus the rate, raised to the term in years). It applies your editable savings-tax rate to the interest only, never the principal, and compares the annual reinvestment swing on one maturing rung against the whole sum locked in one term. Every rate and tax figure is an assumption you set, not a rate on offer. Interest is shown to each rung's maturity and is not time-discounted. A ladder usually earns a little less in total than locking the whole sum in one long term at the same rate, because its average term is shorter; its value is spreading the reinvestment risk you cannot call, not a higher headline return.
When to use it (and when not)
Use it once you hold a surplus above your liquidity floor and have no fixed date you need the money whole. Size the floor first (your known outflows for the year ahead plus a three-to-six-month buffer) and ladder only what sits on top. Skip it if the floor already swallows most of your balance, if you need the whole sum on a set date (a single fixed term fits better), or if the rung amounts shrink toward a provider's minimum deposit and the rate pickup thins out.
This calculator gives educational guidance, not financial advice. It does illustrative arithmetic and names no bank, account, fund, or provider. Rates and taxes are editable assumptions you set; for decisions about your own money, talk to a regulated adviser in your market.