# Dai Savings Rate

Use the `'mcd:savings'` service to work with the Dai Savings Rate system. In the code, this is called [SavingsService](https://github.com/makerdao/dai.js/blob/dev/packages/dai-plugin-mcd/src/SavingsService.js).

```javascript
const service = maker.service('mcd:savings');
```

## Instance methods

All the methods below are asynchronous. `join`, `exit`, and `exitAll` use a [proxy contract](https://docs.makerdao.com/build/dai.js/advanced-configuration/using-ds-proxy).

### join(amount)

Deposit the specified amount of Dai into the Dai Savings Rate (DSR) contract.

```javascript
await service.join(DAI(1000));
```

### exit(amount)

Withdraw the specified amount of Dai from the DSR contract.

### exitAll()

Withdraw all Dai owned by the current account from the DSR contract.

### balance()

Return the amount of Dai in the DSR contract owned by the [current address](https://docs.makerdao.com/build/dai.js/advanced-configuration/using-multiple-accounts). Strictly speaking, this method returns the amount of Dai owned by the proxy contract for the current address. to work with the methods above.

### balanceOf(address)

Return the amount of Dai in the DSR contract owned by the specified address.

### getTotalDai()

Get the total amount of Dai in the DSR contract for all users.

### getYearlyRate()

Get the current annual savings rate.