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 1.21% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 605 | 424 |
| 2 | 50,605 | 612 | 429 |
| 3 | 51,217 | 620 | 434 |
| 4 | 51,837 | 627 | 439 |
| 5 | 52,464 | 635 | 444 |
| 6 | 53,099 | 642 | 450 |
| 7 | 53,742 | 650 | 455 |
| 8 | 54,392 | 658 | 461 |
| 9 | 55,050 | 666 | 466 |
| 10 | 55,716 | 674 | 472 |
| 11 | 56,390 | 682 | 478 |
| 12 | 57,073 | 691 | 483 |
| 13 | 57,763 | 699 | 489 |
| 14 | 58,462 | 707 | 495 |
| 15 | 59,170 | 716 | 501 |
| 16 | 59,885 | 725 | 507 |
| 17 | 60,610 | 733 | 513 |
| 18 | 61,343 | 742 | 520 |
| 19 | 62,086 | 751 | 526 |
| 20 | 62,837 | 760 | 532 |
| TOTAL | $13,597 | $9,518 |
| 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 4.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,125 | 1,488 |
| 2 | 52,125 | 2,215 | 1,551 |
| 3 | 54,340 | 2,309 | 1,617 |
| 4 | 56,650 | 2,408 | 1,685 |
| 5 | 59,057 | 2,510 | 1,757 |
| 6 | 61,567 | 2,617 | 1,832 |
| 7 | 64,184 | 2,728 | 1,909 |
| 8 | 66,912 | 2,844 | 1,991 |
| 9 | 69,756 | 2,965 | 2,075 |
| 10 | 72,720 | 3,091 | 2,163 |
| 11 | 75,811 | 3,222 | 2,255 |
| 12 | 79,033 | 3,359 | 2,351 |
| 13 | 82,392 | 3,502 | 2,451 |
| 14 | 85,893 | 3,650 | 2,555 |
| 15 | 89,544 | 3,806 | 2,664 |
| 16 | 93,349 | 3,967 | 2,777 |
| 17 | 97,317 | 4,136 | 2,895 |
| 18 | 101,453 | 4,312 | 3,018 |
| 19 | 105,764 | 4,495 | 3,146 |
| 20 | 110,259 | 4,686 | 3,280 |
| TOTAL | $64,945 | $45,462 |
| 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 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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|
4.55% |
$50,000 |
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Last change: ↓0.10% on February 9. |
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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% |
$50,000 |
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Last change: ↑0.20% on April 9. |
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