Want the main comparison? Read the full guide here → Index fund vs high-yield savings (main guide) →
Choosing between a savings account and an index fund comes down to time horizon and risk tolerance. Use the calculator to compare scenarios using your own numbers.
Compare savings vs index fundA savings account is designed for stability and access. An index fund is designed for long-term growth, but it can fall in value. The best choice depends on whether your goal is short-term certainty or long-term growth.
Use the ETF vs savings calculator to see how different assumptions change outcomes. Try a range of index-fund returns and compare them to your expected savings rate.
The S&P 500 is one index. Index funds can track many different indexes (S&P 500, total market, international, etc.).
Yes. Markets fluctuate, and the value can be down at times—especially over short horizons.
Because future returns and savings rates change. Ranges help you plan realistically.
If you need the money soon, savings tends to fit better. If you’re investing for the long run, index funds are commonly used for growth (with volatility).
These pages connect to calculators so you can run your own numbers.