About SaverGrid
SaverGrid is an independent site with one job: give US savers transparent, checkable estimates of what their money could earn.
Who writes SaverGrid
SaverGrid is written and maintained by Avery Shaw, who owns and runs the site. We build the calculators, write the guides, and stand behind every number here.
What we are not: licensed financial advisers, accountants, or bank employees. We have no professional certification behind us and don't claim one. What we have instead is published formulas, tested code, and primary sources you can check yourself. The methodology page documents the assumptions in full.
How the calculator math is checked
Every calculation on this site comes from one small library of finance functions, and that library has an automated test suite that must pass before anything is published. The tests cover the cases that most often go wrong elsewhere, including the one that matters most: $10,000 at 4.50% APY for 12 months earns exactly $450.00.
That example is the site's core promise. Banks advertise APY, and APY already includes the effect of compounding. Running a nominal-rate compounding formula on top of an APY double-counts it and overstates what you would actually earn. Every result here is computed from the APY directly.
Worked examples inside the guides are generated by that same tested library rather than typed in by hand, so the article text and the calculator cannot drift apart.
Editorial standards
- Financial rules are cited to primary sources such as the CFPB, FDIC, NCUA, and IRS rather than to other articles.
- Rates used in examples are labeled as hypothetical. SaverGrid does not publish a "best rate today" figure it cannot keep current.
- Every calculator shows its formula and states where the model stops.
- No invented testing, interviews, customer stories, or credentials appear anywhere on the site.
How the site makes money
Right now it doesn't. There are no ads and no affiliate links. If that changes someday, for example if we add referral links to banks, those links will be clearly labeled and they will never change the numbers the calculators produce. The math is tested separately from anything commercial.
What we don't do
- We don't give personalized financial advice. The calculators are educational tools.
- We don't ask for accounts, emails, or personal data to show you results.
- We don't accept payment to alter rankings, numbers, or reviews.
Corrections
If a number looks wrong, it is worth telling us, because the calculations are testable and a real error gets a real fix. Email info@savergrid.com. Corrections to a published figure are made in the page itself, and the updated date at the top of the article changes when they are.