Christmas Club Savings Calculator

About this calculator

A Christmas club is a savings plan, historically offered by banks and credit unions, built around a simple idea: set aside a small, fixed amount every week throughout the year so the money is there for holiday spending in November or December without having to scrape it together all at once. The accounts date back nearly a century and, while dedicated Christmas club bank products are less common today, the same weekly-deposit approach is still widely used for any savings goal tied to a fixed future date.

This calculator takes your weekly deposit amount and the number of weeks until the holidays and totals up what your savings will add up to by the time you need them — a straightforward way to plan holiday spending, gift budgets, or any other seasonal goal one small deposit at a time.