The Impact of Saving More

Understanding how increasing your savings can shape your financial future is easier with our Impact of Saving More Calculator. By inputting your annual income, current savings, additional contributions, expected interest returns, marginal tax rates, and time horizon, the tool shows how even small increases can grow over time. Whether you’re planning for retirement, a major purchase, or building an emergency fund, this calculator provides a clear, motivating view of how saving more today can lead to greater financial security and long-term goals tomorrow. Consider opening a WSB Savings Account or a CD to help you meet your financial goals.

^{Disclaimer: The results are illustrative and hypothetical in nature. Please consult a qualified financial professional for assistance.}

Watertown Savings Bank has been a mutual savings bank since 1870. That means our focus is simple — it’s on our community, not Wall Street or quarterly profits. Our long-term customers would attest that banking feels personal, because it is. From helping families save for what matters most, to helping families buy homes, and local business grow. Your funds at WSB are fully protected--through the FDIC and the DIF. We invite you to open an account with Watertown Savings Bank; you'll be proud to be part of a community institution.