Money Market Fund Yield Calculator
Money-market funds are where you park cash you might need tomorrow, prized for liquidity over high returns. This calculator estimates the yield on a given amount over a chosen term at a stated rate, making it easy to compare a money-market fund against a fixed-term deposit.
When to use this calculator
- Technical calculations for money market fund yields
- Students and finance professionals
- Validate theoretical results before implementation
- Teaching and learning investment concepts
- Quick reference in finance projects
Calculation Example
- Base example
- Result
How it works
1 min readPersonal finance and investing use universal mathematical principles: compound interest, time value of money, and risk-return optimization. This calculator applies standard industry formulas used by financial professionals.
How It's Calculated
Money market fund yields compared to fixed-term deposits.
This calculator applies the formula with your input values, checking typical ranges and alerting you to unusually high or low numbers.
Typical Benchmarks by Time Period
| Period | S&P 500 | Bonds (10-year) | Cash |
|---|---|---|---|
| 1 year | Highly variable | 4–5% | 3–5% |
| 5 years | ~8% average | ~4% | US Inflation |
| 10 years | ~9–10% | ~4% | Below inflation |
| 20+ years | ~10% nominal | ~5% | N/A |
Core Investment Principles
Final Notes
This calculation is for reference only. For critical financial, medical, or legal decisions, consult a qualified professional. Values are current for 2026 and reviewed quarterly.
Frequently asked questions
How is money market fund yield calculated?
Money market fund yields are calculated using standard international formulas with 2026 official data. Enter your investment amount, term, and annual rate to see projected returns.
What's the difference between money market funds and fixed deposits?
Fixed deposits lock your money at a set rate for a fixed term. Money market funds offer more liquidity but variable yields tied to short-term market rates.
How accurate are these results?
Results are indicative within ±5% margin. For critical financial decisions, consult a professional advisor.
Are the 2026 rates and data current?
Yes. We use 2026 data and formulas, verified quarterly.
Is this calculator free?
Yes. Like all Hacé Cuentas calculators, this is completely free with no registration required.
What sources are used?
We source from official institutions: NIST, Treasury Department, Federal Reserve, and other authoritative bodies depending on the topic.
Does Hacé Cuentas store my personal data?
No. All calculations run in your browser. We don't send any data to external servers.
What's considered a good money market fund yield in 2026?
Current money market yields typically range 3–5%. Compare rates across different providers—small differences compound significantly over time.