Dara Rewards Planner
See how your balance could grow with Dara rewards over time. Set a starting balance and a monthly amount, turn on the boosts you'd use, and watch the projected rewards build. Rewards, never interest.
For anyone planning how much they could earn holding dollars with Dara.
Rewards, not interest. Rates are illustrative nominal annual rates, compounded monthly; this is not a savings account or rate quote. Contributions are grouped into monthly equivalents and added at month-end, a conservative convention for weekly and biweekly schedules.
Projected balance in 10 years
You contribute
Rewards earned
With these boosts you’d earn an illustrative
Compare your future balance
Same contributions, grouped and added at month-end. The reference earns no rewards; fees and taxes are excluded.
What the numbers mean
- Rewards rate
- The illustrative nominal annual rate used to accrue Dara rewards. The model divides it by 12 and compounds monthly. It's usage-based and variable, not interest, not a savings-account rate, and not a guarantee.
- Base + boosts
- Your rate starts from an illustrative base (a reserve pass-through) and grows as you turn on boosts: auto-save, family two-way, active referrals, a term pocket, and property build. The combined rate is capped.
- The first $25,000 (boosted tier)
- Boosts apply to the first $25,000 of your balance; anything above that earns the base rate. The combined boosted rate is capped at 8%, so the boosts do the most work while your balance is still growing.
A worked example
Take the default, $10,000 to start, $500 a month, over 10 years, with the auto-save boost on (base 3.00% + 0.50% = 3.50% on the first $25,000):
Illustrative nominal annual rates divided by 12 and compounded monthly. Contributions are grouped into monthly equivalents and added at month-end. Before fees or taxes; not a quote.
How to read your results
Boosts matter most on your first $25,000
The boosted rate applies only to the first $25,000, so stacking boosts lifts your rate the most while your balance is smaller. As the balance grows past that, the blended rate trends toward the base rate.
Rewards, not interest
Dara pays usage-based rewards that vary with what you do (saving, inviting family, referrals). They aren't interest, a deposit rate, or a guaranteed return, and this isn't a savings account.
Your contributions do the early heavy lifting
Early on, most of the balance is simply what you put in; rewards compound and grow more visible over longer horizons. The chart splits contributions from rewards so you can see both.
Common questions
Is this interest or a savings account?
No. Dara pays usage-based rewards, which are variable and depend on your activity, not interest, not a deposit or savings-account rate, and not a guarantee.
Why does the boosted rate only apply to the first $25,000?
The boosted tier is capped at the first $25,000 (and the combined rate at 8%). Above that, the balance earns the illustrative base rate. It keeps the rewards structure sustainable.
How do I increase my rewards?
Turn on boosts: auto-save, family two-way, active referrals, a term pocket, and property build. They stack up to the 8% cap on your first $25,000.
Are these rates guaranteed?
No. The base rate and boosts shown are illustrative placeholders, confirmed before launch. Every figure is an educational estimate, not a quote.
Keep going
How this is calculated
How rewards are projected
- Each month, rewards accrue on the opening balance; the monthly-equivalent contribution is then added at month-end and begins earning the following month.
- Illustrative nominal annual reward rates are divided by 12 and compounded monthly.
- The base reward rate is an illustrative reserve pass-through; your selected boosts are added on top, and the total is capped.
- Rewards are shown separately from what you put in, so you always see contributions vs. rewards earned.
The boost ladder and the cap
- Illustrative boosts: auto-save +0.5%, family two-way +1.0%, active referrals +1.0% each up to +2.0%, a term pocket +1.5% or +2.5%, and property build +1.0%.
- The combined reward rate is capped at 8%, and the boosted rate applies to your first $25,000. Any balance above that earns the base rate.
- These figures are illustrative placeholders and will be confirmed before launch.
What it isn't
- Not interest, a savings-account rate, or a guaranteed return. Dara pays usage-based rewards, and figures are illustrative, not a quote.
- It doesn't account for taxes or any fees, and your real rewards depend on the rates and boosts in effect at the time.
The full method across every tool: How we calculate these →
Dara is a fintech company, not an FDIC-insured bank. Banking, card and property-financing services provided by licensed partners. Protections vary by product. Calculator results are illustrative educational estimates, not financial, tax, investment, lending, or rate advice. Property costs, financing terms, FX, and reward assumptions are confirmed by the relevant provider where applicable.