A cash reserve cuts reliance on borrowing for shocks and seasonal dips — and earns interest while it waits.

No — it's a free illustration. Your actual Creditcorp offer depends on an assessment of your company.

Business savings growth calculator — Calculators

How to use it

Enter your figures above — the result updates instantly and nothing leaves your browser. Results are illustrative, not a quote or credit decision.

How to interpret the result

The projection shows a smooth upward curve, but real business savings rarely grow in a straight line. Interest is only ever earned on the balance actually sitting in the account, so any withdrawal to cover a quiet month, an unexpected repair or a supplier payment resets the growth from a lower base. Treat the projected end figure as a ceiling reached only if deposits are kept up consistently and the pot is left largely undisturbed.

It is also worth reading the result alongside your own cash flow forecast rather than in isolation. A reserve that looks healthy on this calculator can still be too small if it does not comfortably cover the specific seasonal dips or shocks your business faces. Compare the projected balance at key future dates against your actual known outgoings for those periods, not just against an abstract target.

Limitations and good practice

This tool assumes a constant monthly deposit and a constant annual rate for the whole period, which is a simplification. In practice, contribution amounts often flex with trading performance, and the interest a business account pays can change over time. Use the calculator to compare scenarios — different deposit levels, different time horizons — rather than to fix a single number in a business plan.

Good practice is to revisit the projection periodically and update the inputs as circumstances change, rather than treating an early result as fixed. It also helps to keep the reserve separate from day-to-day operating funds, since a pot that is easy to dip into for routine spending tends to grow more slowly than the illustration suggests. For businesses weighing a reserve against other uses of surplus cash, the savings goal calculator and business loans page set out the alternative of borrowing rather than self-funding for a particular need.