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 0.05% |
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 4.85% |
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 |
| Year | Rate 5.22% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,610 | 1,827 |
| 2 | 52,610 | 2,746 | 1,922 |
| 3 | 55,356 | 2,890 | 2,023 |
| 4 | 58,246 | 3,040 | 2,128 |
| 5 | 61,286 | 3,199 | 2,239 |
| 6 | 64,485 | 3,366 | 2,356 |
| 7 | 67,852 | 3,542 | 2,479 |
| 8 | 71,393 | 3,727 | 2,609 |
| 9 | 75,120 | 3,921 | 2,745 |
| 10 | 79,041 | 4,126 | 2,888 |
| 11 | 83,167 | 4,341 | 3,039 |
| 12 | 87,509 | 4,568 | 3,198 |
| 13 | 92,077 | 4,806 | 3,364 |
| 14 | 96,883 | 5,057 | 3,540 |
| 15 | 101,940 | 5,321 | 3,725 |
| 16 | 107,262 | 5,599 | 3,919 |
| 17 | 112,861 | 5,891 | 4,124 |
| 18 | 118,752 | 6,199 | 4,339 |
| 19 | 124,951 | 6,522 | 4,566 |
| 20 | 131,473 | 6,863 | 4,804 |
| TOTAL | $88,336 | $61,835 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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4.20% |
$50,000 |
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Last change: ↑0.20% on December 7. |
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4.20% |
$1,000 |
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Last change: ↑0.05% on December 1. |
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4.15% |
$1,000 |
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Last change: ↑0.10% on December 1. |
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4.10% |
$25,000 |
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Last change: ↓0.15% on November 26. |
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