Round-Up Savings Calculator
Estimate how much you could save each month by rounding up everyday Australian card purchases to the nearest dollar or set amount.
Your results
Calculation breakdown
- Average round-up
- Average round-up ≈ round-up amount ÷ 2 (or 1 − average cents for $1 round-ups)
- Totals
- Weekly savings = transactions per week × average round-up
Worked example
With 20 weekly transactions rounding to the nearest dollar and an average of 50 cents over, you'd save about $10 a week — roughly $520 a year.
Assumptions
- Assumes purchase amounts are randomly distributed across cents, giving a predictable average round-up.
- Excludes any account fees the round-up provider may charge.
How this calculator works
Round-up savings apps and bank features round each card purchase up to the nearest dollar (or a chosen amount) and sweep the difference into savings. Enter your typical number of transactions per week and the round-up amount to estimate your monthly and annual savings from this simple micro-saving habit.
Frequently asked questions
How much can round-ups realistically add up to?
With around 20 transactions a week rounding to the nearest dollar, many people save $200–$400 a year without noticing the difference.
Does rounding up more per transaction help?
Yes, some apps let you round up to the nearest $2 or $5 for faster savings; this calculator lets you set any round-up amount.
Is round-up savings a replacement for a savings plan?
It works well as a supplement, but larger goals usually need dedicated regular transfers alongside round-ups.
Results are estimates only and are not financial, tax, legal or credit advice.