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 0.30% |
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 3.81% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,905 | 1,334 |
| 2 | 51,905 | 1,978 | 1,384 |
| 3 | 53,883 | 2,053 | 1,437 |
| 4 | 55,936 | 2,131 | 1,492 |
| 5 | 58,067 | 2,212 | 1,549 |
| 6 | 60,279 | 2,297 | 1,608 |
| 7 | 62,576 | 2,384 | 1,669 |
| 8 | 64,960 | 2,475 | 1,732 |
| 9 | 67,435 | 2,569 | 1,798 |
| 10 | 70,004 | 2,667 | 1,867 |
| 11 | 72,671 | 2,769 | 1,938 |
| 12 | 75,440 | 2,874 | 2,012 |
| 13 | 78,314 | 2,984 | 2,089 |
| 14 | 81,298 | 3,097 | 2,168 |
| 15 | 84,395 | 3,215 | 2,251 |
| 16 | 87,611 | 3,338 | 2,337 |
| 17 | 90,949 | 3,465 | 2,426 |
| 18 | 94,414 | 3,597 | 2,518 |
| 19 | 98,011 | 3,734 | 2,614 |
| 20 | 101,745 | 3,876 | 2,714 |
| TOTAL | $55,622 | $38,935 |
| 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 |
| Year | Rate 4.10% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,050 | 1,435 |
| 2 | 52,050 | 2,134 | 1,494 |
| 3 | 54,184 | 2,222 | 1,555 |
| 4 | 56,406 | 2,313 | 1,619 |
| 5 | 58,718 | 2,407 | 1,685 |
| 6 | 61,126 | 2,506 | 1,754 |
| 7 | 63,632 | 2,609 | 1,826 |
| 8 | 66,241 | 2,716 | 1,901 |
| 9 | 68,957 | 2,827 | 1,979 |
| 10 | 71,784 | 2,943 | 2,060 |
| 11 | 74,727 | 3,064 | 2,145 |
| 12 | 77,791 | 3,189 | 2,233 |
| 13 | 80,980 | 3,320 | 2,324 |
| 14 | 84,300 | 3,456 | 2,419 |
| 15 | 87,757 | 3,598 | 2,519 |
| 16 | 91,355 | 3,746 | 2,622 |
| 17 | 95,100 | 3,899 | 2,729 |
| 18 | 98,999 | 4,059 | 2,841 |
| 19 | 103,058 | 4,225 | 2,958 |
| 20 | 107,284 | 4,399 | 3,079 |
| TOTAL | $61,682 | $43,178 |
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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Last change: ↓0.50% on October 1, 2024. |
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4.50% |
$500 |
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Last change: ↑0.20% on January 18. |
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4.50% |
$1,500 |
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Last change: ↓0.15% on January 25. |
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4.50% |
$500 |
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Last change: ↓0.50% on February 25. |
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