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
To help you get the most out of your data, Core Data Points
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 Download APY CHAT xlsx
The real rate of return including compounding.
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
How often interest is added (daily, monthly, quarterly).
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 spreadsheet will show a dramatic "hockey stick"
Calculate the difference between starting your investment today versus waiting 12 months. The lost interest in that first year often results in a significantly lower final balance due to missed compounding cycles. Inflation vs. Yield
