Which term refers to the total amount of money in a savings account including interest?

The term that refers to the total amount of money in a savings account, which encompasses both the initial deposit and any interest earned, is known as the account balance. This balance reflects the total value available, making it crucial for understanding one's financial standing in terms of liquid assets.

While the principal amount refers specifically to the initial sum of money deposited, the total yield typically denotes the overall earnings from an investment, factoring in the interest accumulated over time but is not a direct representation of the total account value. Net interest focuses solely on the earnings generated from the interest, rather than the entirety of the funds in the account. Therefore, account balance is the most accurate term for encompassing all components of the funds in a savings account.