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 1.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 500 | 350 |
2 | 50,500 | 505 | 354 |
3 | 51,005 | 510 | 357 |
4 | 51,515 | 515 | 361 |
5 | 52,030 | 520 | 364 |
6 | 52,551 | 526 | 368 |
7 | 53,076 | 531 | 372 |
8 | 53,607 | 536 | 375 |
9 | 54,143 | 541 | 379 |
10 | 54,684 | 547 | 383 |
11 | 55,231 | 552 | 387 |
12 | 55,783 | 558 | 390 |
13 | 56,341 | 563 | 394 |
14 | 56,905 | 569 | 398 |
15 | 57,474 | 575 | 402 |
16 | 58,048 | 580 | 406 |
17 | 58,629 | 586 | 410 |
18 | 59,215 | 592 | 415 |
19 | 59,807 | 598 | 419 |
20 | 60,405 | 604 | 423 |
TOTAL | $11,010 | $7,707 |
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 0.34% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 170 | 119 |
2 | 50,170 | 171 | 119 |
3 | 50,341 | 171 | 120 |
4 | 50,512 | 172 | 120 |
5 | 50,683 | 172 | 121 |
6 | 50,856 | 173 | 121 |
7 | 51,029 | 173 | 121 |
8 | 51,202 | 174 | 122 |
9 | 51,376 | 175 | 122 |
10 | 51,551 | 175 | 123 |
11 | 51,726 | 176 | 123 |
12 | 51,902 | 176 | 124 |
13 | 52,079 | 177 | 124 |
14 | 52,256 | 178 | 124 |
15 | 52,433 | 178 | 125 |
16 | 52,612 | 179 | 125 |
17 | 52,790 | 179 | 126 |
18 | 52,970 | 180 | 126 |
19 | 53,150 | 181 | 126 |
20 | 53,331 | 181 | 127 |
TOTAL | $3,512 | $2,458 |
Year | Rate 0.26% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 130 | 91 |
2 | 50,130 | 130 | 91 |
3 | 50,260 | 131 | 91 |
4 | 50,391 | 131 | 92 |
5 | 50,522 | 131 | 92 |
6 | 50,653 | 132 | 92 |
7 | 50,785 | 132 | 92 |
8 | 50,917 | 132 | 93 |
9 | 51,050 | 133 | 93 |
10 | 51,182 | 133 | 93 |
11 | 51,315 | 133 | 93 |
12 | 51,449 | 134 | 94 |
13 | 51,583 | 134 | 94 |
14 | 51,717 | 134 | 94 |
15 | 51,851 | 135 | 94 |
16 | 51,986 | 135 | 95 |
17 | 52,121 | 136 | 95 |
18 | 52,257 | 136 | 95 |
19 | 52,392 | 136 | 95 |
20 | 52,529 | 137 | 96 |
TOTAL | $2,665 | $1,866 |
Year | Rate 0.24% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 120 | 84 |
2 | 50,120 | 120 | 84 |
3 | 50,240 | 121 | 84 |
4 | 50,361 | 121 | 85 |
5 | 50,482 | 121 | 85 |
6 | 50,603 | 121 | 85 |
7 | 50,724 | 122 | 85 |
8 | 50,846 | 122 | 85 |
9 | 50,968 | 122 | 86 |
10 | 51,090 | 123 | 86 |
11 | 51,213 | 123 | 86 |
12 | 51,336 | 123 | 86 |
13 | 51,459 | 124 | 86 |
14 | 51,583 | 124 | 87 |
15 | 51,706 | 124 | 87 |
16 | 51,831 | 124 | 87 |
17 | 51,955 | 125 | 87 |
18 | 52,080 | 125 | 87 |
19 | 52,205 | 125 | 88 |
20 | 52,330 | 126 | 88 |
TOTAL | $2,456 | $1,719 |
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 0.65% |
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 0.75% |
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 1.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 625 | 438 |
2 | 50,625 | 633 | 443 |
3 | 51,258 | 641 | 449 |
4 | 51,899 | 649 | 454 |
5 | 52,547 | 657 | 460 |
6 | 53,204 | 665 | 466 |
7 | 53,869 | 673 | 471 |
8 | 54,543 | 682 | 477 |
9 | 55,224 | 690 | 483 |
10 | 55,915 | 699 | 489 |
11 | 56,614 | 708 | 495 |
12 | 57,321 | 717 | 502 |
13 | 58,038 | 725 | 508 |
14 | 58,763 | 735 | 514 |
15 | 59,498 | 744 | 521 |
16 | 60,241 | 753 | 527 |
17 | 60,994 | 762 | 534 |
18 | 61,757 | 772 | 540 |
19 | 62,529 | 782 | 547 |
20 | 63,310 | 791 | 554 |
TOTAL | $14,102 | $9,871 |
Year | Rate 1.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 625 | 438 |
2 | 50,625 | 633 | 443 |
3 | 51,258 | 641 | 449 |
4 | 51,899 | 649 | 454 |
5 | 52,547 | 657 | 460 |
6 | 53,204 | 665 | 466 |
7 | 53,869 | 673 | 471 |
8 | 54,543 | 682 | 477 |
9 | 55,224 | 690 | 483 |
10 | 55,915 | 699 | 489 |
11 | 56,614 | 708 | 495 |
12 | 57,321 | 717 | 502 |
13 | 58,038 | 725 | 508 |
14 | 58,763 | 735 | 514 |
15 | 59,498 | 744 | 521 |
16 | 60,241 | 753 | 527 |
17 | 60,994 | 762 | 534 |
18 | 61,757 | 772 | 540 |
19 | 62,529 | 782 | 547 |
20 | 63,310 | 791 | 554 |
TOTAL | $14,102 | $9,871 |
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 0.05% |
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 1.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 625 | 438 |
2 | 50,625 | 633 | 443 |
3 | 51,258 | 641 | 449 |
4 | 51,899 | 649 | 454 |
5 | 52,547 | 657 | 460 |
6 | 53,204 | 665 | 466 |
7 | 53,869 | 673 | 471 |
8 | 54,543 | 682 | 477 |
9 | 55,224 | 690 | 483 |
10 | 55,915 | 699 | 489 |
11 | 56,614 | 708 | 495 |
12 | 57,321 | 717 | 502 |
13 | 58,038 | 725 | 508 |
14 | 58,763 | 735 | 514 |
15 | 59,498 | 744 | 521 |
16 | 60,241 | 753 | 527 |
17 | 60,994 | 762 | 534 |
18 | 61,757 | 772 | 540 |
19 | 62,529 | 782 | 547 |
20 | 63,310 | 791 | 554 |
TOTAL | $14,102 | $9,871 |
Year | Rate 1.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 625 | 438 |
2 | 50,625 | 633 | 443 |
3 | 51,258 | 641 | 449 |
4 | 51,899 | 649 | 454 |
5 | 52,547 | 657 | 460 |
6 | 53,204 | 665 | 466 |
7 | 53,869 | 673 | 471 |
8 | 54,543 | 682 | 477 |
9 | 55,224 | 690 | 483 |
10 | 55,915 | 699 | 489 |
11 | 56,614 | 708 | 495 |
12 | 57,321 | 717 | 502 |
13 | 58,038 | 725 | 508 |
14 | 58,763 | 735 | 514 |
15 | 59,498 | 744 | 521 |
16 | 60,241 | 753 | 527 |
17 | 60,994 | 762 | 534 |
18 | 61,757 | 772 | 540 |
19 | 62,529 | 782 | 547 |
20 | 63,310 | 791 | 554 |
TOTAL | $14,102 | $9,871 |
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 0.05% |
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 0.30% |
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 0.60% |
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 2.11% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,055 | 739 |
2 | 51,055 | 1,077 | 754 |
3 | 52,132 | 1,100 | 770 |
4 | 53,232 | 1,123 | 786 |
5 | 54,355 | 1,147 | 803 |
6 | 55,502 | 1,171 | 820 |
7 | 56,673 | 1,196 | 837 |
8 | 57,869 | 1,221 | 855 |
9 | 59,090 | 1,247 | 873 |
10 | 60,337 | 1,273 | 891 |
11 | 61,610 | 1,300 | 910 |
12 | 62,910 | 1,327 | 929 |
13 | 64,238 | 1,355 | 949 |
14 | 65,593 | 1,384 | 969 |
15 | 66,977 | 1,413 | 989 |
16 | 68,390 | 1,443 | 1,010 |
17 | 69,833 | 1,473 | 1,031 |
18 | 71,307 | 1,505 | 1,053 |
19 | 72,811 | 1,536 | 1,075 |
20 | 74,348 | 1,569 | 1,098 |
TOTAL | $25,916 | $18,141 |
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 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 |
All calculations are for demonstration purposes only.
ONLINE BANKS | APY? | MIN? | ||
---|---|---|---|---|
|
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. |