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The Top Regular Savers Discussion Thread

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  • clairec666
    clairec666 Posts: 245 Forumite
    100 Posts Name Dropper
    mhoc said:
    clairec666 said:
    s71hj said:
    clairec666 said:
    I'm glad I'm not the only one who keeps a spreadsheet of regular savers! I'm a bit of an Excel geek, so I loved making mine. I've got a nice little colour scale thing to highlight the best interest rates so I can fund those first, and different colours for the ones with standing orders, then each month I make manual deposits after pay day (my pay varies a lot so some months I can pump a lot more into my regular savers) and un-highlight the ones I've paid.
    Anyone fancy sharing a link to a blank spreadsheet! I'm a bit daunted and sort of don't know where to start!
    This is roughly what I've got:
    https://docs.google.com/spreadsheets/d/1qAg4gDqIIuX9YO7JG7uHY5nggL90aUQMqrhUtn3JHPo/edit?usp=sharing
    Obviously I've removed any personal information and have edited the amounts too. Mine is a little more complicated and has linked sheets from separate years.

    Natwest and RBS behave a little differently, in that the interest is paid in monthly and compounded. So the formulas in their rows are different. To extend to the next month, highlight the 3 columns for this month and drag across to the next month to auto-fill. At the moment the "min/max deposits" and "maturity date" columns don't do anything in regards to cell formulas, you'll have to work out each month which accounts are maturing.

    Note that if you're adding up the "total interest" column for tax purposes, you would have to take into account which year the interest was paid in; monthly totals for last year are missing, so your "total" for each account will usually be higher than the row total.
    What is missing from this chart is the actual account number - I seem to think HMRC list your savings interest with the account number ... although Ive not seen a HMRC interest list ...
    Not "missing" but "removed for security reasons"!
    You can add whatever columns you want to the spreadsheet, I just stripped it down as an example people could copy if they liked.
  • rallycurve
    rallycurve Posts: 194 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    I'm very impressed on how quick Principality is reacting now.
    I remember when rates were going up, it took them about a month or so to decide the increase on the variable rate accounts...
  • Bridlington1
    Bridlington1 Posts: 3,691 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Skipton Home Deposit Saver (Issue 3) at 4.56% is now NLA and has been replaced by Issue 4 at 4.31%. Issue 4's interest rate is too low for the account to be included on the first page of this thread.

    Thresholds for accounts to be included on the first page of this thread remain under review and may be altered depending how the savings landscape evolves following the base rate cut yesterday.
  • schiff
    schiff Posts: 20,256 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    How is the maximum balance of the new Virgin RS Exclusive Issue £6000? Per the main list.
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