Round-Up Savings Calculator
Round-up savings apps like Monzo, Starling, Plum and Moneybox round each card payment up to the nearest pound and sweep the difference into savings. It rarely feels like anything at the time, see what it actually adds up to over a month, a year, and invested over 5-10 years.
Estimate only. This calculator gives estimates for information only, not financial advice. The invested-instead projection is illustrative, investment growth isn't guaranteed and actual returns will vary.
Enter your card spending
Your monthly and annual round-up savings appear here as you type.
Why round-ups add up faster than they feel like
A single round-up, a few pence here, 80p there, is genuinely too small to notice in the moment, which is exactly the point. Applied across dozens of card payments a week, the total is a real, meaningful amount by the end of the year, especially with an app's boost multiplier switched on. It won't replace a deliberate savings plan on its own, but as a friction-free way to start building a saving habit, and eventually redirect that money into something that grows, it's hard to beat.
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