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 4.76% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,380 | 1,666 |
| 2 | 52,380 | 2,493 | 1,745 |
| 3 | 54,873 | 2,612 | 1,828 |
| 4 | 57,485 | 2,736 | 1,915 |
| 5 | 60,222 | 2,867 | 2,007 |
| 6 | 63,088 | 3,003 | 2,102 |
| 7 | 66,091 | 3,146 | 2,202 |
| 8 | 69,237 | 3,296 | 2,307 |
| 9 | 72,533 | 3,453 | 2,417 |
| 10 | 75,985 | 3,617 | 2,532 |
| 11 | 79,602 | 3,789 | 2,652 |
| 12 | 83,391 | 3,969 | 2,779 |
| 13 | 87,361 | 4,158 | 2,911 |
| 14 | 91,519 | 4,356 | 3,049 |
| 15 | 95,875 | 4,564 | 3,195 |
| 16 | 100,439 | 4,781 | 3,347 |
| 17 | 105,220 | 5,008 | 3,506 |
| 18 | 110,228 | 5,247 | 3,673 |
| 19 | 115,475 | 5,497 | 3,848 |
| 20 | 120,972 | 5,758 | 4,031 |
| TOTAL | $76,730 | $53,711 |
| Year | Rate 4.85% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,425 | 1,698 |
| 2 | 52,425 | 2,543 | 1,780 |
| 3 | 54,968 | 2,666 | 1,866 |
| 4 | 57,634 | 2,795 | 1,957 |
| 5 | 60,429 | 2,931 | 2,052 |
| 6 | 63,360 | 3,073 | 2,151 |
| 7 | 66,433 | 3,222 | 2,255 |
| 8 | 69,654 | 3,378 | 2,365 |
| 9 | 73,033 | 3,542 | 2,479 |
| 10 | 76,575 | 3,714 | 2,600 |
| 11 | 80,289 | 3,894 | 2,726 |
| 12 | 84,183 | 4,083 | 2,858 |
| 13 | 88,266 | 4,281 | 2,997 |
| 14 | 92,546 | 4,489 | 3,142 |
| 15 | 97,035 | 4,706 | 3,294 |
| 16 | 101,741 | 4,934 | 3,454 |
| 17 | 106,676 | 5,174 | 3,622 |
| 18 | 111,849 | 5,425 | 3,797 |
| 19 | 117,274 | 5,688 | 3,981 |
| 20 | 122,962 | 5,964 | 4,175 |
| TOTAL | $78,925 | $55,248 |
All calculations are for demonstration purposes only.