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 0.60% |
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 0.65% |
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 0.10% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 50 | 35 |
2 | 50,050 | 50 | 35 |
3 | 50,100 | 50 | 35 |
4 | 50,150 | 50 | 35 |
5 | 50,200 | 50 | 35 |
6 | 50,251 | 50 | 35 |
7 | 50,301 | 50 | 35 |
8 | 50,351 | 50 | 35 |
9 | 50,401 | 50 | 35 |
10 | 50,452 | 50 | 35 |
11 | 50,502 | 51 | 35 |
12 | 50,553 | 51 | 35 |
13 | 50,603 | 51 | 35 |
14 | 50,654 | 51 | 35 |
15 | 50,705 | 51 | 35 |
16 | 50,755 | 51 | 36 |
17 | 50,806 | 51 | 36 |
18 | 50,857 | 51 | 36 |
19 | 50,908 | 51 | 36 |
20 | 50,959 | 51 | 36 |
TOTAL | $1,010 | $707 |
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 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 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 0.48% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 238 | 166 |
2 | 50,238 | 239 | 167 |
3 | 50,476 | 240 | 168 |
4 | 50,716 | 241 | 169 |
5 | 50,957 | 242 | 169 |
6 | 51,199 | 243 | 170 |
7 | 51,442 | 244 | 171 |
8 | 51,686 | 246 | 172 |
9 | 51,932 | 247 | 173 |
10 | 52,179 | 248 | 173 |
11 | 52,426 | 249 | 174 |
12 | 52,675 | 250 | 175 |
13 | 52,926 | 251 | 176 |
14 | 53,177 | 253 | 177 |
15 | 53,430 | 254 | 178 |
16 | 53,683 | 255 | 178 |
17 | 53,938 | 256 | 179 |
18 | 54,195 | 257 | 180 |
19 | 54,452 | 259 | 181 |
20 | 54,711 | 260 | 182 |
TOTAL | $4,971 | $3,479 |
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 0.60% |
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 3.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,500 | 1,050 |
2 | 51,500 | 1,545 | 1,082 |
3 | 53,045 | 1,591 | 1,114 |
4 | 54,636 | 1,639 | 1,147 |
5 | 56,275 | 1,688 | 1,182 |
6 | 57,964 | 1,739 | 1,217 |
7 | 59,703 | 1,791 | 1,254 |
8 | 61,494 | 1,845 | 1,291 |
9 | 63,339 | 1,900 | 1,330 |
10 | 65,239 | 1,957 | 1,370 |
11 | 67,196 | 2,016 | 1,411 |
12 | 69,212 | 2,076 | 1,453 |
13 | 71,288 | 2,139 | 1,497 |
14 | 73,427 | 2,203 | 1,542 |
15 | 75,629 | 2,269 | 1,588 |
16 | 77,898 | 2,337 | 1,636 |
17 | 80,235 | 2,407 | 1,685 |
18 | 82,642 | 2,479 | 1,735 |
19 | 85,122 | 2,554 | 1,788 |
20 | 87,675 | 2,630 | 1,841 |
TOTAL | $40,306 | $28,214 |
Year | Rate 3.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,500 | 1,050 |
2 | 51,500 | 1,545 | 1,082 |
3 | 53,045 | 1,591 | 1,114 |
4 | 54,636 | 1,639 | 1,147 |
5 | 56,275 | 1,688 | 1,182 |
6 | 57,964 | 1,739 | 1,217 |
7 | 59,703 | 1,791 | 1,254 |
8 | 61,494 | 1,845 | 1,291 |
9 | 63,339 | 1,900 | 1,330 |
10 | 65,239 | 1,957 | 1,370 |
11 | 67,196 | 2,016 | 1,411 |
12 | 69,212 | 2,076 | 1,453 |
13 | 71,288 | 2,139 | 1,497 |
14 | 73,427 | 2,203 | 1,542 |
15 | 75,629 | 2,269 | 1,588 |
16 | 77,898 | 2,337 | 1,636 |
17 | 80,235 | 2,407 | 1,685 |
18 | 82,642 | 2,479 | 1,735 |
19 | 85,122 | 2,554 | 1,788 |
20 | 87,675 | 2,630 | 1,841 |
TOTAL | $40,306 | $28,214 |
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 0.80% |
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 0.15% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 75 | 53 |
2 | 50,075 | 75 | 53 |
3 | 50,150 | 75 | 53 |
4 | 50,225 | 75 | 53 |
5 | 50,301 | 75 | 53 |
6 | 50,376 | 76 | 53 |
7 | 50,452 | 76 | 53 |
8 | 50,527 | 76 | 53 |
9 | 50,603 | 76 | 53 |
10 | 50,679 | 76 | 53 |
11 | 50,755 | 76 | 53 |
12 | 50,831 | 76 | 53 |
13 | 50,907 | 76 | 53 |
14 | 50,984 | 76 | 54 |
15 | 51,060 | 77 | 54 |
16 | 51,137 | 77 | 54 |
17 | 51,214 | 77 | 54 |
18 | 51,290 | 77 | 54 |
19 | 51,367 | 77 | 54 |
20 | 51,444 | 77 | 54 |
TOTAL | $1,522 | $1,065 |
Year | Rate 0.10% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 50 | 35 |
2 | 50,050 | 50 | 35 |
3 | 50,100 | 50 | 35 |
4 | 50,150 | 50 | 35 |
5 | 50,200 | 50 | 35 |
6 | 50,251 | 50 | 35 |
7 | 50,301 | 50 | 35 |
8 | 50,351 | 50 | 35 |
9 | 50,401 | 50 | 35 |
10 | 50,452 | 50 | 35 |
11 | 50,502 | 51 | 35 |
12 | 50,553 | 51 | 35 |
13 | 50,603 | 51 | 35 |
14 | 50,654 | 51 | 35 |
15 | 50,705 | 51 | 35 |
16 | 50,755 | 51 | 36 |
17 | 50,806 | 51 | 36 |
18 | 50,857 | 51 | 36 |
19 | 50,908 | 51 | 36 |
20 | 50,959 | 51 | 36 |
TOTAL | $1,010 | $707 |
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 0.90% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 450 | 315 |
2 | 50,450 | 454 | 318 |
3 | 50,904 | 458 | 321 |
4 | 51,362 | 462 | 324 |
5 | 51,824 | 466 | 326 |
6 | 52,291 | 471 | 329 |
7 | 52,761 | 475 | 332 |
8 | 53,236 | 479 | 335 |
9 | 53,715 | 483 | 338 |
10 | 54,199 | 488 | 341 |
11 | 54,687 | 492 | 345 |
12 | 55,179 | 497 | 348 |
13 | 55,675 | 501 | 351 |
14 | 56,177 | 506 | 354 |
15 | 56,682 | 510 | 357 |
16 | 57,192 | 515 | 360 |
17 | 57,707 | 519 | 364 |
18 | 58,226 | 524 | 367 |
19 | 58,750 | 529 | 370 |
20 | 59,279 | 534 | 373 |
TOTAL | $9,813 | $6,869 |
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 0.03% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 13 | 9 |
2 | 50,013 | 13 | 9 |
3 | 50,025 | 13 | 9 |
4 | 50,038 | 13 | 9 |
5 | 50,050 | 13 | 9 |
6 | 50,063 | 13 | 9 |
7 | 50,075 | 13 | 9 |
8 | 50,088 | 13 | 9 |
9 | 50,100 | 13 | 9 |
10 | 50,113 | 13 | 9 |
11 | 50,125 | 13 | 9 |
12 | 50,138 | 13 | 9 |
13 | 50,150 | 13 | 9 |
14 | 50,163 | 13 | 9 |
15 | 50,175 | 13 | 9 |
16 | 50,188 | 13 | 9 |
17 | 50,200 | 13 | 9 |
18 | 50,213 | 13 | 9 |
19 | 50,225 | 13 | 9 |
20 | 50,238 | 13 | 9 |
TOTAL | $251 | $175 |
Year | Rate 0.55% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 275 | 193 |
2 | 50,275 | 277 | 194 |
3 | 50,552 | 278 | 195 |
4 | 50,830 | 280 | 196 |
5 | 51,109 | 281 | 197 |
6 | 51,390 | 283 | 198 |
7 | 51,673 | 284 | 199 |
8 | 51,957 | 286 | 200 |
9 | 52,243 | 287 | 201 |
10 | 52,530 | 289 | 202 |
11 | 52,819 | 291 | 203 |
12 | 53,110 | 292 | 204 |
13 | 53,402 | 294 | 206 |
14 | 53,695 | 295 | 207 |
15 | 53,991 | 297 | 208 |
16 | 54,288 | 299 | 209 |
17 | 54,586 | 300 | 210 |
18 | 54,886 | 302 | 211 |
19 | 55,188 | 304 | 212 |
20 | 55,492 | 305 | 214 |
TOTAL | $5,797 | $4,058 |
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 |
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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$500 |
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$1,500 |
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4.50% |
$500 |
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