This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
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Year | Rate 0.05% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 25 | 18 |
2 | 50,025 | 25 | 18 |
3 | 50,050 | 25 | 18 |
4 | 50,075 | 25 | 18 |
5 | 50,100 | 25 | 18 |
6 | 50,125 | 25 | 18 |
7 | 50,150 | 25 | 18 |
8 | 50,175 | 25 | 18 |
9 | 50,200 | 25 | 18 |
10 | 50,225 | 25 | 18 |
11 | 50,251 | 25 | 18 |
12 | 50,276 | 25 | 18 |
13 | 50,301 | 25 | 18 |
14 | 50,326 | 25 | 18 |
15 | 50,351 | 25 | 18 |
16 | 50,376 | 25 | 18 |
17 | 50,402 | 25 | 18 |
18 | 50,427 | 25 | 18 |
19 | 50,452 | 25 | 18 |
20 | 50,477 | 25 | 18 |
TOTAL | $502 | $352 |
Year | Rate 0.75% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 375 | 263 |
2 | 50,375 | 378 | 264 |
3 | 50,753 | 381 | 266 |
4 | 51,133 | 384 | 268 |
5 | 51,517 | 386 | 270 |
6 | 51,903 | 389 | 272 |
7 | 52,293 | 392 | 275 |
8 | 52,685 | 395 | 277 |
9 | 53,080 | 398 | 279 |
10 | 53,478 | 401 | 281 |
11 | 53,879 | 404 | 283 |
12 | 54,283 | 407 | 285 |
13 | 54,690 | 410 | 287 |
14 | 55,101 | 413 | 289 |
15 | 55,514 | 416 | 291 |
16 | 55,930 | 419 | 294 |
17 | 56,350 | 423 | 296 |
18 | 56,772 | 426 | 298 |
19 | 57,198 | 429 | 300 |
20 | 57,627 | 432 | 303 |
TOTAL | $8,059 | $5,641 |
Year | Rate 0.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 250 | 175 |
2 | 50,250 | 251 | 176 |
3 | 50,501 | 253 | 177 |
4 | 50,754 | 254 | 178 |
5 | 51,008 | 255 | 179 |
6 | 51,263 | 256 | 179 |
7 | 51,519 | 258 | 180 |
8 | 51,776 | 259 | 181 |
9 | 52,035 | 260 | 182 |
10 | 52,296 | 261 | 183 |
11 | 52,557 | 263 | 184 |
12 | 52,820 | 264 | 185 |
13 | 53,084 | 265 | 186 |
14 | 53,349 | 267 | 187 |
15 | 53,616 | 268 | 188 |
16 | 53,884 | 269 | 189 |
17 | 54,154 | 271 | 190 |
18 | 54,424 | 272 | 190 |
19 | 54,696 | 273 | 191 |
20 | 54,970 | 275 | 192 |
TOTAL | $5,245 | $3,671 |
Year | Rate 0.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 250 | 175 |
2 | 50,250 | 251 | 176 |
3 | 50,501 | 253 | 177 |
4 | 50,754 | 254 | 178 |
5 | 51,008 | 255 | 179 |
6 | 51,263 | 256 | 179 |
7 | 51,519 | 258 | 180 |
8 | 51,776 | 259 | 181 |
9 | 52,035 | 260 | 182 |
10 | 52,296 | 261 | 183 |
11 | 52,557 | 263 | 184 |
12 | 52,820 | 264 | 185 |
13 | 53,084 | 265 | 186 |
14 | 53,349 | 267 | 187 |
15 | 53,616 | 268 | 188 |
16 | 53,884 | 269 | 189 |
17 | 54,154 | 271 | 190 |
18 | 54,424 | 272 | 190 |
19 | 54,696 | 273 | 191 |
20 | 54,970 | 275 | 192 |
TOTAL | $5,245 | $3,671 |
Year | Rate 0.20% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 100 | 70 |
2 | 50,100 | 100 | 70 |
3 | 50,200 | 100 | 70 |
4 | 50,301 | 101 | 70 |
5 | 50,401 | 101 | 71 |
6 | 50,502 | 101 | 71 |
7 | 50,603 | 101 | 71 |
8 | 50,704 | 101 | 71 |
9 | 50,806 | 102 | 71 |
10 | 50,907 | 102 | 71 |
11 | 51,009 | 102 | 71 |
12 | 51,111 | 102 | 72 |
13 | 51,213 | 102 | 72 |
14 | 51,316 | 103 | 72 |
15 | 51,418 | 103 | 72 |
16 | 51,521 | 103 | 72 |
17 | 51,624 | 103 | 72 |
18 | 51,727 | 103 | 72 |
19 | 51,831 | 104 | 73 |
20 | 51,935 | 104 | 73 |
TOTAL | $2,038 | $1,427 |
Year | Rate 2.14% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,070 | 749 |
2 | 51,070 | 1,093 | 765 |
3 | 52,163 | 1,116 | 781 |
4 | 53,279 | 1,140 | 798 |
5 | 54,419 | 1,165 | 815 |
6 | 55,584 | 1,189 | 833 |
7 | 56,773 | 1,215 | 850 |
8 | 57,988 | 1,241 | 869 |
9 | 59,229 | 1,268 | 887 |
10 | 60,497 | 1,295 | 906 |
11 | 61,791 | 1,322 | 926 |
12 | 63,114 | 1,351 | 945 |
13 | 64,464 | 1,380 | 966 |
14 | 65,844 | 1,409 | 986 |
15 | 67,253 | 1,439 | 1,007 |
16 | 68,692 | 1,470 | 1,029 |
17 | 70,162 | 1,501 | 1,051 |
18 | 71,664 | 1,534 | 1,074 |
19 | 73,197 | 1,566 | 1,096 |
20 | 74,764 | 1,600 | 1,120 |
TOTAL | $26,364 | $18,455 |
Year | Rate 0.05% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 25 | 18 |
2 | 50,025 | 25 | 18 |
3 | 50,050 | 25 | 18 |
4 | 50,075 | 25 | 18 |
5 | 50,100 | 25 | 18 |
6 | 50,125 | 25 | 18 |
7 | 50,150 | 25 | 18 |
8 | 50,175 | 25 | 18 |
9 | 50,200 | 25 | 18 |
10 | 50,225 | 25 | 18 |
11 | 50,251 | 25 | 18 |
12 | 50,276 | 25 | 18 |
13 | 50,301 | 25 | 18 |
14 | 50,326 | 25 | 18 |
15 | 50,351 | 25 | 18 |
16 | 50,376 | 25 | 18 |
17 | 50,402 | 25 | 18 |
18 | 50,427 | 25 | 18 |
19 | 50,452 | 25 | 18 |
20 | 50,477 | 25 | 18 |
TOTAL | $502 | $352 |
Year | Rate 0.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 125 | 88 |
2 | 50,125 | 125 | 88 |
3 | 50,250 | 126 | 88 |
4 | 50,376 | 126 | 88 |
5 | 50,502 | 126 | 88 |
6 | 50,628 | 127 | 89 |
7 | 50,755 | 127 | 89 |
8 | 50,882 | 127 | 89 |
9 | 51,009 | 128 | 89 |
10 | 51,136 | 128 | 89 |
11 | 51,264 | 128 | 90 |
12 | 51,392 | 128 | 90 |
13 | 51,521 | 129 | 90 |
14 | 51,650 | 129 | 90 |
15 | 51,779 | 129 | 91 |
16 | 51,908 | 130 | 91 |
17 | 52,038 | 130 | 91 |
18 | 52,168 | 130 | 91 |
19 | 52,298 | 131 | 92 |
20 | 52,429 | 131 | 92 |
TOTAL | $2,560 | $1,792 |
Year | Rate 3.85% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,925 | 1,348 |
2 | 51,925 | 1,999 | 1,399 |
3 | 53,924 | 2,076 | 1,453 |
4 | 56,000 | 2,156 | 1,509 |
5 | 58,156 | 2,239 | 1,567 |
6 | 60,395 | 2,325 | 1,628 |
7 | 62,720 | 2,415 | 1,690 |
8 | 65,135 | 2,508 | 1,755 |
9 | 67,643 | 2,604 | 1,823 |
10 | 70,247 | 2,705 | 1,893 |
11 | 72,952 | 2,809 | 1,966 |
12 | 75,760 | 2,917 | 2,042 |
13 | 78,677 | 3,029 | 2,120 |
14 | 81,706 | 3,146 | 2,202 |
15 | 84,852 | 3,267 | 2,287 |
16 | 88,119 | 3,393 | 2,375 |
17 | 91,511 | 3,523 | 2,466 |
18 | 95,034 | 3,659 | 2,561 |
19 | 98,693 | 3,800 | 2,660 |
20 | 102,493 | 3,946 | 2,762 |
TOTAL | $56,439 | $39,507 |
Year | Rate 0.65% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 325 | 228 |
2 | 50,325 | 327 | 229 |
3 | 50,652 | 329 | 230 |
4 | 50,981 | 331 | 232 |
5 | 51,313 | 334 | 233 |
6 | 51,646 | 336 | 235 |
7 | 51,982 | 338 | 237 |
8 | 52,320 | 340 | 238 |
9 | 52,660 | 342 | 240 |
10 | 53,002 | 345 | 241 |
11 | 53,347 | 347 | 243 |
12 | 53,693 | 349 | 244 |
13 | 54,042 | 351 | 246 |
14 | 54,394 | 354 | 247 |
15 | 54,747 | 356 | 249 |
16 | 55,103 | 358 | 251 |
17 | 55,461 | 360 | 252 |
18 | 55,822 | 363 | 254 |
19 | 56,185 | 365 | 256 |
20 | 56,550 | 368 | 257 |
TOTAL | $6,917 | $4,842 |
Year | Rate 0.23% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 115 | 81 |
2 | 50,115 | 115 | 81 |
3 | 50,230 | 116 | 81 |
4 | 50,346 | 116 | 81 |
5 | 50,462 | 116 | 81 |
6 | 50,578 | 116 | 81 |
7 | 50,694 | 117 | 82 |
8 | 50,811 | 117 | 82 |
9 | 50,927 | 117 | 82 |
10 | 51,045 | 117 | 82 |
11 | 51,162 | 118 | 82 |
12 | 51,280 | 118 | 83 |
13 | 51,398 | 118 | 83 |
14 | 51,516 | 118 | 83 |
15 | 51,634 | 119 | 83 |
16 | 51,753 | 119 | 83 |
17 | 51,872 | 119 | 84 |
18 | 51,991 | 120 | 84 |
19 | 52,111 | 120 | 84 |
20 | 52,231 | 120 | 84 |
TOTAL | $2,351 | $1,646 |
Year | Rate 0.60% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 300 | 210 |
2 | 50,300 | 302 | 211 |
3 | 50,602 | 304 | 213 |
4 | 50,905 | 305 | 214 |
5 | 51,211 | 307 | 215 |
6 | 51,518 | 309 | 216 |
7 | 51,827 | 311 | 218 |
8 | 52,138 | 313 | 219 |
9 | 52,451 | 315 | 220 |
10 | 52,766 | 317 | 222 |
11 | 53,082 | 318 | 223 |
12 | 53,401 | 320 | 224 |
13 | 53,721 | 322 | 226 |
14 | 54,044 | 324 | 227 |
15 | 54,368 | 326 | 228 |
16 | 54,694 | 328 | 230 |
17 | 55,022 | 330 | 231 |
18 | 55,352 | 332 | 232 |
19 | 55,684 | 334 | 234 |
20 | 56,019 | 336 | 235 |
TOTAL | $6,355 | $4,448 |
Year | Rate 0.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 250 | 175 |
2 | 50,250 | 251 | 176 |
3 | 50,501 | 253 | 177 |
4 | 50,754 | 254 | 178 |
5 | 51,008 | 255 | 179 |
6 | 51,263 | 256 | 179 |
7 | 51,519 | 258 | 180 |
8 | 51,776 | 259 | 181 |
9 | 52,035 | 260 | 182 |
10 | 52,296 | 261 | 183 |
11 | 52,557 | 263 | 184 |
12 | 52,820 | 264 | 185 |
13 | 53,084 | 265 | 186 |
14 | 53,349 | 267 | 187 |
15 | 53,616 | 268 | 188 |
16 | 53,884 | 269 | 189 |
17 | 54,154 | 271 | 190 |
18 | 54,424 | 272 | 190 |
19 | 54,696 | 273 | 191 |
20 | 54,970 | 275 | 192 |
TOTAL | $5,245 | $3,671 |
Year | Rate 0.45% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 225 | 158 |
2 | 50,225 | 226 | 158 |
3 | 50,451 | 227 | 159 |
4 | 50,678 | 228 | 160 |
5 | 50,906 | 229 | 160 |
6 | 51,135 | 230 | 161 |
7 | 51,365 | 231 | 162 |
8 | 51,596 | 232 | 163 |
9 | 51,829 | 233 | 163 |
10 | 52,062 | 234 | 164 |
11 | 52,296 | 235 | 165 |
12 | 52,531 | 236 | 165 |
13 | 52,768 | 237 | 166 |
14 | 53,005 | 239 | 167 |
15 | 53,244 | 240 | 168 |
16 | 53,483 | 241 | 168 |
17 | 53,724 | 242 | 169 |
18 | 53,966 | 243 | 170 |
19 | 54,209 | 244 | 171 |
20 | 54,453 | 245 | 172 |
TOTAL | $4,698 | $3,288 |
Year | Rate 0.80% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 400 | 280 |
2 | 50,400 | 403 | 282 |
3 | 50,803 | 406 | 284 |
4 | 51,210 | 410 | 287 |
5 | 51,619 | 413 | 289 |
6 | 52,032 | 416 | 291 |
7 | 52,449 | 420 | 294 |
8 | 52,868 | 423 | 296 |
9 | 53,291 | 426 | 298 |
10 | 53,717 | 430 | 301 |
11 | 54,147 | 433 | 303 |
12 | 54,580 | 437 | 306 |
13 | 55,017 | 440 | 308 |
14 | 55,457 | 444 | 311 |
15 | 55,901 | 447 | 313 |
16 | 56,348 | 451 | 316 |
17 | 56,799 | 454 | 318 |
18 | 57,253 | 458 | 321 |
19 | 57,711 | 462 | 323 |
20 | 58,173 | 465 | 326 |
TOTAL | $8,638 | $6,047 |
Year | Rate 1.35% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 675 | 473 |
2 | 50,675 | 684 | 479 |
3 | 51,359 | 693 | 485 |
4 | 52,052 | 703 | 492 |
5 | 52,755 | 712 | 499 |
6 | 53,467 | 722 | 505 |
7 | 54,189 | 732 | 512 |
8 | 54,921 | 741 | 519 |
9 | 55,662 | 751 | 526 |
10 | 56,414 | 762 | 533 |
11 | 57,175 | 772 | 540 |
12 | 57,947 | 782 | 548 |
13 | 58,729 | 793 | 555 |
14 | 59,522 | 804 | 562 |
15 | 60,326 | 814 | 570 |
16 | 61,140 | 825 | 578 |
17 | 61,966 | 837 | 586 |
18 | 62,802 | 848 | 593 |
19 | 63,650 | 859 | 601 |
20 | 64,509 | 871 | 610 |
TOTAL | $15,380 | $10,766 |
Year | Rate 0.30% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 150 | 105 |
2 | 50,150 | 150 | 105 |
3 | 50,300 | 151 | 106 |
4 | 50,451 | 151 | 106 |
5 | 50,603 | 152 | 106 |
6 | 50,755 | 152 | 107 |
7 | 50,907 | 153 | 107 |
8 | 51,059 | 153 | 107 |
9 | 51,213 | 154 | 108 |
10 | 51,366 | 154 | 108 |
11 | 51,520 | 155 | 108 |
12 | 51,675 | 155 | 109 |
13 | 51,830 | 155 | 109 |
14 | 51,985 | 156 | 109 |
15 | 52,141 | 156 | 109 |
16 | 52,298 | 157 | 110 |
17 | 52,455 | 157 | 110 |
18 | 52,612 | 158 | 110 |
19 | 52,770 | 158 | 111 |
20 | 52,928 | 159 | 111 |
TOTAL | $3,087 | $2,161 |
Year | Rate 0.35% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 175 | 123 |
2 | 50,175 | 176 | 123 |
3 | 50,351 | 176 | 123 |
4 | 50,527 | 177 | 124 |
5 | 50,704 | 177 | 124 |
6 | 50,881 | 178 | 125 |
7 | 51,059 | 179 | 125 |
8 | 51,238 | 179 | 126 |
9 | 51,417 | 180 | 126 |
10 | 51,597 | 181 | 126 |
11 | 51,778 | 181 | 127 |
12 | 51,959 | 182 | 127 |
13 | 52,141 | 182 | 128 |
14 | 52,323 | 183 | 128 |
15 | 52,507 | 184 | 129 |
16 | 52,690 | 184 | 129 |
17 | 52,875 | 185 | 130 |
18 | 53,060 | 186 | 130 |
19 | 53,245 | 186 | 130 |
20 | 53,432 | 187 | 131 |
TOTAL | $3,619 | $2,533 |
Year | Rate 0.40% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 200 | 140 |
2 | 50,200 | 201 | 141 |
3 | 50,401 | 202 | 141 |
4 | 50,602 | 202 | 142 |
5 | 50,805 | 203 | 142 |
6 | 51,008 | 204 | 143 |
7 | 51,212 | 205 | 143 |
8 | 51,417 | 206 | 144 |
9 | 51,623 | 206 | 145 |
10 | 51,829 | 207 | 145 |
11 | 52,036 | 208 | 146 |
12 | 52,245 | 209 | 146 |
13 | 52,454 | 210 | 147 |
14 | 52,663 | 211 | 147 |
15 | 52,874 | 211 | 148 |
16 | 53,085 | 212 | 149 |
17 | 53,298 | 213 | 149 |
18 | 53,511 | 214 | 150 |
19 | 53,725 | 215 | 150 |
20 | 53,940 | 216 | 151 |
TOTAL | $4,156 | $2,909 |
Year | Rate 0.40% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 200 | 140 |
2 | 50,200 | 201 | 141 |
3 | 50,401 | 202 | 141 |
4 | 50,602 | 202 | 142 |
5 | 50,805 | 203 | 142 |
6 | 51,008 | 204 | 143 |
7 | 51,212 | 205 | 143 |
8 | 51,417 | 206 | 144 |
9 | 51,623 | 206 | 145 |
10 | 51,829 | 207 | 145 |
11 | 52,036 | 208 | 146 |
12 | 52,245 | 209 | 146 |
13 | 52,454 | 210 | 147 |
14 | 52,663 | 211 | 147 |
15 | 52,874 | 211 | 148 |
16 | 53,085 | 212 | 149 |
17 | 53,298 | 213 | 149 |
18 | 53,511 | 214 | 150 |
19 | 53,725 | 215 | 150 |
20 | 53,940 | 216 | 151 |
TOTAL | $4,156 | $2,909 |
Year | Rate 0.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 250 | 175 |
2 | 50,250 | 251 | 176 |
3 | 50,501 | 253 | 177 |
4 | 50,754 | 254 | 178 |
5 | 51,008 | 255 | 179 |
6 | 51,263 | 256 | 179 |
7 | 51,519 | 258 | 180 |
8 | 51,776 | 259 | 181 |
9 | 52,035 | 260 | 182 |
10 | 52,296 | 261 | 183 |
11 | 52,557 | 263 | 184 |
12 | 52,820 | 264 | 185 |
13 | 53,084 | 265 | 186 |
14 | 53,349 | 267 | 187 |
15 | 53,616 | 268 | 188 |
16 | 53,884 | 269 | 189 |
17 | 54,154 | 271 | 190 |
18 | 54,424 | 272 | 190 |
19 | 54,696 | 273 | 191 |
20 | 54,970 | 275 | 192 |
TOTAL | $5,245 | $3,671 |
Year | Rate 4.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 2,000 | 1,400 |
2 | 52,000 | 2,080 | 1,456 |
3 | 54,080 | 2,163 | 1,514 |
4 | 56,243 | 2,250 | 1,575 |
5 | 58,493 | 2,340 | 1,638 |
6 | 60,833 | 2,433 | 1,703 |
7 | 63,266 | 2,531 | 1,771 |
8 | 65,797 | 2,632 | 1,842 |
9 | 68,428 | 2,737 | 1,916 |
10 | 71,166 | 2,847 | 1,993 |
11 | 74,012 | 2,960 | 2,072 |
12 | 76,973 | 3,079 | 2,155 |
13 | 80,052 | 3,202 | 2,241 |
14 | 83,254 | 3,330 | 2,331 |
15 | 86,584 | 3,463 | 2,424 |
16 | 90,047 | 3,602 | 2,521 |
17 | 93,649 | 3,746 | 2,622 |
18 | 97,395 | 3,896 | 2,727 |
19 | 101,291 | 4,052 | 2,836 |
20 | 105,342 | 4,214 | 2,950 |
TOTAL | $59,556 | $41,689 |
All calculations are for demonstration purposes only.
ONLINE BANKS | APY? | MIN? | ||
---|---|---|---|---|
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4.55% |
$5,000 |
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Last change: ↑0.15% on March 22. |
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4.55% |
$1,000 |
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4.50% |
$500 |
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$1,500 |
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4.50% |
$500 |
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Last change: ↓0.50% on February 25. |