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Earnings calculator

How much could
your money earn?

Enter your investment amount and see your projected return with NS&I's 3.95% AER rate.

£

Gross return after 3 years

£27,963

That works out at £988 per year at 3.95% AER

Start Earning Now

Projected gross return at 3.95% AER over 3 years. Actual returns may vary. Not financial advice.

Product summary

Provider NS&I
Rate 3.95% AER
Maturity Tradable · hold to maturity
Min. deposit £100
Protection Government backed · No limit

Why this stands out

Competitive rate

One of the highest fixed rates available for United Kingdom savers right now.

Government-backed protection

Up to No limit covered under Government backed.

Fixed for Tradable · hold to maturity

Lock in your rate today. No surprises, no variable returns — just certainty.

At a glance

Type
Government bond
Maturity
Tradable · hold to maturity
Min. deposit
£100
Protection
Government backed
Coverage
No limit
Region
United Kingdom

Eligibility & details

  • UK only.
  • HM Treasury-backed 3-year fixed; may be on/off sale depending on NS&I window.

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Happy Saver is a comparison site, not a financial adviser. Product information is for comparison only — always verify rates, eligibility, and protection with the provider before committing.