Money Market Calculator
Model money market fund or treasury-style cash returns with APY, monthly top-ups, after-tax yield, and an optional comparison rate.
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Cash management
Money market assumptions
Designed for comparing idle cash strategies, short-duration fund returns, and after-tax cash yields.
≈ 1 years
Advanced mode
Add tax, expense ratio, inflation, and a comparison rate so you can judge incremental yield.
Compounding
Ending balance
LKR 858,580.77
Contributed capital
LKR 800,000.00
Gross interest
LKR 58,580.77
Effective APY
8.87%
Projection
Cash balance over the holding period
This is useful for comparing money-market style yields against simpler savings or transactional cash parking options.
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Perspective
A better way to compare cash products
Cash products are often compared using headline annual rates, but money-market funds and sweep accounts should be judged on effective annual yield after fees and tax, especially when you hold them for less than a year.
For treasury-style cash allocations, the real question is usually incremental yield versus liquidity. A small increase in rate may not justify extra lock-in risk if you expect to use the cash soon.
This calculator makes that trade-off explicit by showing APY, post-tax result, and the additional value created over an alternative parking rate.
FAQ
Common questions
What is APY in a money market context?
APY is the effective annual yield after compounding. It converts a nominal annual rate into a true like-for-like annual return figure so you can compare different cash products more fairly.
Why compare against an alternative rate?
Because many cash decisions are relative, not absolute. If your current savings account already pays a rate, you want to know how much extra return the money-market option produces after fees and tax.
Can this be used for Treasury-bill style comparisons?
Yes. It is not a bond-pricing engine, but it works well for approximate short-duration cash comparisons where the goal is to estimate effective yield and accumulated value over a holding period.
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