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The length of time the money stays in the account. Storylines to Explore The Power of Compounding
Compare your APY against the current inflation rate. If the inflation rate is higher than your APY, the "story" is that you are actually losing purchasing power, even though your balance is increasing. Quick Analysis Tips Download APY CHAT xlsx
Many accounts have "teaser rates" that drop after a certain balance; use the sheet to see if moving funds is worth the effort. If you'd like to dive deeper into a specific scenario: Initial investment amount (e.g., $5,000 or $50,000) Monthly contribution plan (e.g., $100/month) Target goal or timeframe (e.g., buying a house in 5 years) The length of time the money stays in the account
To help you get the most out of your data, Core Data Points Quick Analysis Tips Many accounts have "teaser rates"
The real rate of return including compounding.
Create a simple line chart to see when interest begins to outpace your monthly contributions.
Compare a standard savings account (0.01% APY) against a High-Yield Savings Account (4.00%+ APY). The spreadsheet will show a dramatic "hockey stick" curve where the gap between the two grows exponentially over 10+ years. The "Wait" Cost
