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 4.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,000 | 1,400 |
| 2 | 52,000 | 2,080 | 1,456 |
| 3 | 54,080 | 2,163 | 1,514 |
| 4 | 56,243 | 2,250 | 1,575 |
| 5 | 58,493 | 2,340 | 1,638 |
| 6 | 60,833 | 2,433 | 1,703 |
| 7 | 63,266 | 2,531 | 1,771 |
| 8 | 65,797 | 2,632 | 1,842 |
| 9 | 68,428 | 2,737 | 1,916 |
| 10 | 71,166 | 2,847 | 1,993 |
| 11 | 74,012 | 2,960 | 2,072 |
| 12 | 76,973 | 3,079 | 2,155 |
| 13 | 80,052 | 3,202 | 2,241 |
| 14 | 83,254 | 3,330 | 2,331 |
| 15 | 86,584 | 3,463 | 2,424 |
| 16 | 90,047 | 3,602 | 2,521 |
| 17 | 93,649 | 3,746 | 2,622 |
| 18 | 97,395 | 3,896 | 2,727 |
| 19 | 101,291 | 4,052 | 2,836 |
| 20 | 105,342 | 4,214 | 2,950 |
| TOTAL | $59,556 | $41,689 |
| Year | Rate 3.35% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,675 | 1,173 |
| 2 | 51,675 | 1,731 | 1,212 |
| 3 | 53,406 | 1,789 | 1,252 |
| 4 | 55,195 | 1,849 | 1,294 |
| 5 | 57,044 | 1,911 | 1,338 |
| 6 | 58,955 | 1,975 | 1,383 |
| 7 | 60,930 | 2,041 | 1,429 |
| 8 | 62,971 | 2,110 | 1,477 |
| 9 | 65,081 | 2,180 | 1,526 |
| 10 | 67,261 | 2,253 | 1,577 |
| 11 | 69,514 | 2,329 | 1,630 |
| 12 | 71,843 | 2,407 | 1,685 |
| 13 | 74,250 | 2,487 | 1,741 |
| 14 | 76,737 | 2,571 | 1,799 |
| 15 | 79,308 | 2,657 | 1,860 |
| 16 | 81,965 | 2,746 | 1,922 |
| 17 | 84,711 | 2,838 | 1,986 |
| 18 | 87,548 | 2,933 | 2,053 |
| 19 | 90,481 | 3,031 | 2,122 |
| 20 | 93,512 | 3,133 | 2,193 |
| TOTAL | $46,645 | $32,652 |
| Year | Rate 4.30% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,150 | 1,505 |
| 2 | 52,150 | 2,242 | 1,570 |
| 3 | 54,392 | 2,339 | 1,637 |
| 4 | 56,731 | 2,439 | 1,708 |
| 5 | 59,171 | 2,544 | 1,781 |
| 6 | 61,715 | 2,654 | 1,858 |
| 7 | 64,369 | 2,768 | 1,938 |
| 8 | 67,137 | 2,887 | 2,021 |
| 9 | 70,024 | 3,011 | 2,108 |
| 10 | 73,035 | 3,140 | 2,198 |
| 11 | 76,175 | 3,276 | 2,293 |
| 12 | 79,451 | 3,416 | 2,391 |
| 13 | 82,867 | 3,563 | 2,494 |
| 14 | 86,430 | 3,717 | 2,602 |
| 15 | 90,147 | 3,876 | 2,713 |
| 16 | 94,023 | 4,043 | 2,830 |
| 17 | 98,066 | 4,217 | 2,952 |
| 18 | 102,283 | 4,398 | 3,079 |
| 19 | 106,681 | 4,587 | 3,211 |
| 20 | 111,268 | 4,785 | 3,349 |
| TOTAL | $66,053 | $46,237 |
| Year | Rate 3.51% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,755 | 1,229 |
| 2 | 51,755 | 1,817 | 1,272 |
| 3 | 53,572 | 1,880 | 1,316 |
| 4 | 55,452 | 1,946 | 1,362 |
| 5 | 57,398 | 2,015 | 1,410 |
| 6 | 59,413 | 2,085 | 1,460 |
| 7 | 61,498 | 2,159 | 1,511 |
| 8 | 63,657 | 2,234 | 1,564 |
| 9 | 65,891 | 2,313 | 1,619 |
| 10 | 68,204 | 2,394 | 1,676 |
| 11 | 70,598 | 2,478 | 1,735 |
| 12 | 73,076 | 2,565 | 1,795 |
| 13 | 75,641 | 2,655 | 1,859 |
| 14 | 78,296 | 2,748 | 1,924 |
| 15 | 81,044 | 2,845 | 1,991 |
| 16 | 83,889 | 2,945 | 2,061 |
| 17 | 86,833 | 3,048 | 2,133 |
| 18 | 89,881 | 3,155 | 2,208 |
| 19 | 93,036 | 3,266 | 2,286 |
| 20 | 96,302 | 3,380 | 2,366 |
| TOTAL | $49,682 | $34,777 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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|
|
4.20% |
$1,500 |
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Last change: ↓0.10% on October 13. |
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|
4.15% |
$1,000 |
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Last change: ↓0.15% on October 13. |
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4.15% |
$500 |
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