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Savings accounts
Savings accounts and deposits: your rainy day money tracked alongside everything else.
A savings account here, a deposit account there, a term deposit somewhere else: rainy day money scatters easily across several institutions, each with its own rate. Yet it is often the safest part of a net worth, the one you count on when something goes wrong.
Finvygo brings your savings and deposit accounts together with the rest of your net worth, along with their rate and growth. You see the safety share your savings represent, without connecting a single bank: you declare your balances, in full privacy.
What you can do
Add your accounts
Regulated savings accounts, savings accounts and term deposits.
Projected interest
See how your savings grow as you pay in.
Scheduled payments
Factor your regular payments into the projection.
Safety net share
Measure how much of your net worth is your safety net.
Why track your savings alongside everything else?
A regulated savings account mainly serves as a safety cushion: available immediately, with no risk of losing principal, but with a rate that can change from one year to the next depending on official decisions. You still need to keep track of that rate and how it moves, to know what this money actually earns.
Grouped with the rest of your net worth, rainy day savings make full sense: they compare against riskier assets, stocks or crypto, and let you check that your safety share stays in line with your goals, neither too thin in a pinch nor excessive next to everything else.
How Finvygo handles your savings accounts
The savings catalogue adapts to your country of tax residency, and always includes plain savings accounts and term deposits, which apply universally regardless of country. Each product carries its own rate and, where one exists, its own deposit cap.
You enter the current balance, the rate applied and, where relevant, the account's regulatory cap. A rate change announced by your institution updates in seconds from the account's page, without losing any history already recorded or the projection under way.
Interest, payments and projections
From the rate you enter, Finvygo projects the interest your savings could generate, with a compounding schedule true to how a savings account actually works. This projection stays an estimate, indicative and not guaranteed, and it changes if you adjust the rate or the starting balance.
A regular scheduled payment can be entered to refine the projection across several horizons, from one year to more than ten. The growth curve reads at a glance, showing how your rainy day savings should evolve if you keep up your current payments.
Frequently asked questions
Which savings and deposit accounts can I track?
Regulated savings accounts specific to your country, as well as any plain savings account or term deposit. The catalogue on offer adapts automatically to your tax residency.
How is the interest on my savings calculated?
From the rate and compounding frequency you enter, Finvygo projects interest on an estimated basis. This projection is neither a commitment nor financial advice: it changes if your account's actual rate changes.
Can I schedule regular payments?
Yes. A regular payment can be added to the account's page to refine the savings projection over time, across several horizons.
My account's rate changed: how do I update it?
Change the rate directly from the account's page, in seconds. The interest projection recalculates right away, without losing any history already recorded.
How do I measure my safety net share?
The breakdown by asset type shows the exact share your savings and deposit accounts represent in your overall net worth, to compare against your riskier assets.
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