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 2.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,000 | 700 |
2 | 51,000 | 1,020 | 714 |
3 | 52,020 | 1,040 | 728 |
4 | 53,060 | 1,061 | 743 |
5 | 54,122 | 1,082 | 758 |
6 | 55,204 | 1,104 | 773 |
7 | 56,308 | 1,126 | 788 |
8 | 57,434 | 1,149 | 804 |
9 | 58,583 | 1,172 | 820 |
10 | 59,755 | 1,195 | 837 |
11 | 60,950 | 1,219 | 853 |
12 | 62,169 | 1,243 | 870 |
13 | 63,412 | 1,268 | 888 |
14 | 64,680 | 1,294 | 906 |
15 | 65,974 | 1,319 | 924 |
16 | 67,293 | 1,346 | 942 |
17 | 68,639 | 1,373 | 961 |
18 | 70,012 | 1,400 | 980 |
19 | 71,412 | 1,428 | 1,000 |
20 | 72,841 | 1,457 | 1,020 |
TOTAL | $24,297 | $17,008 |
Year | Rate 2.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,000 | 700 |
2 | 51,000 | 1,020 | 714 |
3 | 52,020 | 1,040 | 728 |
4 | 53,060 | 1,061 | 743 |
5 | 54,122 | 1,082 | 758 |
6 | 55,204 | 1,104 | 773 |
7 | 56,308 | 1,126 | 788 |
8 | 57,434 | 1,149 | 804 |
9 | 58,583 | 1,172 | 820 |
10 | 59,755 | 1,195 | 837 |
11 | 60,950 | 1,219 | 853 |
12 | 62,169 | 1,243 | 870 |
13 | 63,412 | 1,268 | 888 |
14 | 64,680 | 1,294 | 906 |
15 | 65,974 | 1,319 | 924 |
16 | 67,293 | 1,346 | 942 |
17 | 68,639 | 1,373 | 961 |
18 | 70,012 | 1,400 | 980 |
19 | 71,412 | 1,428 | 1,000 |
20 | 72,841 | 1,457 | 1,020 |
TOTAL | $24,297 | $17,008 |
Year | Rate 2.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,000 | 700 |
2 | 51,000 | 1,020 | 714 |
3 | 52,020 | 1,040 | 728 |
4 | 53,060 | 1,061 | 743 |
5 | 54,122 | 1,082 | 758 |
6 | 55,204 | 1,104 | 773 |
7 | 56,308 | 1,126 | 788 |
8 | 57,434 | 1,149 | 804 |
9 | 58,583 | 1,172 | 820 |
10 | 59,755 | 1,195 | 837 |
11 | 60,950 | 1,219 | 853 |
12 | 62,169 | 1,243 | 870 |
13 | 63,412 | 1,268 | 888 |
14 | 64,680 | 1,294 | 906 |
15 | 65,974 | 1,319 | 924 |
16 | 67,293 | 1,346 | 942 |
17 | 68,639 | 1,373 | 961 |
18 | 70,012 | 1,400 | 980 |
19 | 71,412 | 1,428 | 1,000 |
20 | 72,841 | 1,457 | 1,020 |
TOTAL | $24,297 | $17,008 |
Year | Rate 2.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,000 | 700 |
2 | 51,000 | 1,020 | 714 |
3 | 52,020 | 1,040 | 728 |
4 | 53,060 | 1,061 | 743 |
5 | 54,122 | 1,082 | 758 |
6 | 55,204 | 1,104 | 773 |
7 | 56,308 | 1,126 | 788 |
8 | 57,434 | 1,149 | 804 |
9 | 58,583 | 1,172 | 820 |
10 | 59,755 | 1,195 | 837 |
11 | 60,950 | 1,219 | 853 |
12 | 62,169 | 1,243 | 870 |
13 | 63,412 | 1,268 | 888 |
14 | 64,680 | 1,294 | 906 |
15 | 65,974 | 1,319 | 924 |
16 | 67,293 | 1,346 | 942 |
17 | 68,639 | 1,373 | 961 |
18 | 70,012 | 1,400 | 980 |
19 | 71,412 | 1,428 | 1,000 |
20 | 72,841 | 1,457 | 1,020 |
TOTAL | $24,297 | $17,008 |
Year | Rate 2.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,250 | 875 |
2 | 51,250 | 1,281 | 897 |
3 | 52,531 | 1,313 | 919 |
4 | 53,845 | 1,346 | 942 |
5 | 55,191 | 1,380 | 966 |
6 | 56,570 | 1,414 | 990 |
7 | 57,985 | 1,450 | 1,015 |
8 | 59,434 | 1,486 | 1,040 |
9 | 60,920 | 1,523 | 1,066 |
10 | 62,443 | 1,561 | 1,093 |
11 | 64,004 | 1,600 | 1,120 |
12 | 65,604 | 1,640 | 1,148 |
13 | 67,244 | 1,681 | 1,177 |
14 | 68,926 | 1,723 | 1,206 |
15 | 70,649 | 1,766 | 1,236 |
16 | 72,415 | 1,810 | 1,267 |
17 | 74,225 | 1,856 | 1,299 |
18 | 76,081 | 1,902 | 1,331 |
19 | 77,983 | 1,950 | 1,365 |
20 | 79,933 | 1,998 | 1,399 |
TOTAL | $31,931 | $22,352 |
Year | Rate 3.15% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,575 | 1,103 |
2 | 51,575 | 1,625 | 1,137 |
3 | 53,200 | 1,676 | 1,173 |
4 | 54,875 | 1,729 | 1,210 |
5 | 56,604 | 1,783 | 1,248 |
6 | 58,387 | 1,839 | 1,287 |
7 | 60,226 | 1,897 | 1,328 |
8 | 62,123 | 1,957 | 1,370 |
9 | 64,080 | 2,019 | 1,413 |
10 | 66,099 | 2,082 | 1,457 |
11 | 68,181 | 2,148 | 1,503 |
12 | 70,329 | 2,215 | 1,551 |
13 | 72,544 | 2,285 | 1,600 |
14 | 74,829 | 2,357 | 1,650 |
15 | 77,186 | 2,431 | 1,702 |
16 | 79,617 | 2,508 | 1,756 |
17 | 82,125 | 2,587 | 1,811 |
18 | 84,712 | 2,668 | 1,868 |
19 | 87,381 | 2,752 | 1,927 |
20 | 90,133 | 2,839 | 1,987 |
TOTAL | $42,973 | $30,081 |
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 0.30% |
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 0.30% |
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 0.75% |
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 3.90% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,950 | 1,365 |
2 | 51,950 | 2,026 | 1,418 |
3 | 53,976 | 2,105 | 1,474 |
4 | 56,081 | 2,187 | 1,531 |
5 | 58,268 | 2,272 | 1,591 |
6 | 60,541 | 2,361 | 1,653 |
7 | 62,902 | 2,453 | 1,717 |
8 | 65,355 | 2,549 | 1,784 |
9 | 67,904 | 2,648 | 1,854 |
10 | 70,552 | 2,752 | 1,926 |
11 | 73,304 | 2,859 | 2,001 |
12 | 76,162 | 2,970 | 2,079 |
13 | 79,133 | 3,086 | 2,160 |
14 | 82,219 | 3,207 | 2,245 |
15 | 85,426 | 3,332 | 2,332 |
16 | 88,757 | 3,462 | 2,423 |
17 | 92,219 | 3,597 | 2,518 |
18 | 95,815 | 3,737 | 2,616 |
19 | 99,552 | 3,883 | 2,718 |
20 | 103,434 | 4,034 | 2,824 |
TOTAL | $57,468 | $40,228 |
Year | Rate 1.55% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 775 | 543 |
2 | 50,775 | 787 | 551 |
3 | 51,562 | 799 | 559 |
4 | 52,361 | 812 | 568 |
5 | 53,173 | 824 | 577 |
6 | 53,997 | 837 | 586 |
7 | 54,834 | 850 | 595 |
8 | 55,684 | 863 | 604 |
9 | 56,547 | 876 | 614 |
10 | 57,423 | 890 | 623 |
11 | 58,314 | 904 | 633 |
12 | 59,217 | 918 | 643 |
13 | 60,135 | 932 | 652 |
14 | 61,067 | 947 | 663 |
15 | 62,014 | 961 | 673 |
16 | 62,975 | 976 | 683 |
17 | 63,951 | 991 | 694 |
18 | 64,942 | 1,007 | 705 |
19 | 65,949 | 1,022 | 716 |
20 | 66,971 | 1,038 | 727 |
TOTAL | $18,009 | $12,607 |
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 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 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 0.70% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 350 | 245 |
2 | 50,350 | 352 | 247 |
3 | 50,702 | 355 | 248 |
4 | 51,057 | 357 | 250 |
5 | 51,415 | 360 | 252 |
6 | 51,775 | 362 | 254 |
7 | 52,137 | 365 | 255 |
8 | 52,502 | 368 | 257 |
9 | 52,870 | 370 | 259 |
10 | 53,240 | 373 | 261 |
11 | 53,612 | 375 | 263 |
12 | 53,988 | 378 | 265 |
13 | 54,366 | 381 | 266 |
14 | 54,746 | 383 | 268 |
15 | 55,129 | 386 | 270 |
16 | 55,515 | 389 | 272 |
17 | 55,904 | 391 | 274 |
18 | 56,295 | 394 | 276 |
19 | 56,689 | 397 | 278 |
20 | 57,086 | 400 | 280 |
TOTAL | $7,486 | $5,240 |
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 3.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,750 | 1,225 |
2 | 51,750 | 1,811 | 1,268 |
3 | 53,561 | 1,875 | 1,312 |
4 | 55,436 | 1,940 | 1,358 |
5 | 57,376 | 2,008 | 1,406 |
6 | 59,384 | 2,078 | 1,455 |
7 | 61,463 | 2,151 | 1,506 |
8 | 63,614 | 2,226 | 1,559 |
9 | 65,840 | 2,304 | 1,613 |
10 | 68,145 | 2,385 | 1,670 |
11 | 70,530 | 2,469 | 1,728 |
12 | 72,998 | 2,555 | 1,788 |
13 | 75,553 | 2,644 | 1,851 |
14 | 78,198 | 2,737 | 1,916 |
15 | 80,935 | 2,833 | 1,983 |
16 | 83,767 | 2,932 | 2,052 |
17 | 86,699 | 3,034 | 2,124 |
18 | 89,734 | 3,141 | 2,198 |
19 | 92,874 | 3,251 | 2,275 |
20 | 96,125 | 3,364 | 2,355 |
TOTAL | $49,489 | $34,643 |
Year | Rate 3.55% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,775 | 1,243 |
2 | 51,775 | 1,838 | 1,287 |
3 | 53,613 | 1,903 | 1,332 |
4 | 55,516 | 1,971 | 1,380 |
5 | 57,487 | 2,041 | 1,429 |
6 | 59,528 | 2,113 | 1,479 |
7 | 61,641 | 2,188 | 1,532 |
8 | 63,829 | 2,266 | 1,586 |
9 | 66,095 | 2,346 | 1,642 |
10 | 68,442 | 2,430 | 1,701 |
11 | 70,871 | 2,516 | 1,761 |
12 | 73,387 | 2,605 | 1,824 |
13 | 75,993 | 2,698 | 1,888 |
14 | 78,690 | 2,794 | 1,955 |
15 | 81,484 | 2,893 | 2,025 |
16 | 84,377 | 2,995 | 2,097 |
17 | 87,372 | 3,102 | 2,171 |
18 | 90,474 | 3,212 | 2,248 |
19 | 93,685 | 3,326 | 2,328 |
20 | 97,011 | 3,444 | 2,411 |
TOTAL | $50,455 | $35,319 |
Year | Rate 2.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,000 | 700 |
2 | 51,000 | 1,020 | 714 |
3 | 52,020 | 1,040 | 728 |
4 | 53,060 | 1,061 | 743 |
5 | 54,122 | 1,082 | 758 |
6 | 55,204 | 1,104 | 773 |
7 | 56,308 | 1,126 | 788 |
8 | 57,434 | 1,149 | 804 |
9 | 58,583 | 1,172 | 820 |
10 | 59,755 | 1,195 | 837 |
11 | 60,950 | 1,219 | 853 |
12 | 62,169 | 1,243 | 870 |
13 | 63,412 | 1,268 | 888 |
14 | 64,680 | 1,294 | 906 |
15 | 65,974 | 1,319 | 924 |
16 | 67,293 | 1,346 | 942 |
17 | 68,639 | 1,373 | 961 |
18 | 70,012 | 1,400 | 980 |
19 | 71,412 | 1,428 | 1,000 |
20 | 72,841 | 1,457 | 1,020 |
TOTAL | $24,297 | $17,008 |
All calculations are for demonstration purposes only.
ONLINE BANKS | APY? | MIN? | ||
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4.55% |
$50,000 |
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$1,000 |
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$500 |
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$1,500 |
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4.50% |
$50,000 |
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