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 0.03% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 15 | 11 |
| 2 | 50,015 | 15 | 11 |
| 3 | 50,030 | 15 | 11 |
| 4 | 50,045 | 15 | 11 |
| 5 | 50,060 | 15 | 11 |
| 6 | 50,075 | 15 | 11 |
| 7 | 50,090 | 15 | 11 |
| 8 | 50,105 | 15 | 11 |
| 9 | 50,120 | 15 | 11 |
| 10 | 50,135 | 15 | 11 |
| 11 | 50,150 | 15 | 11 |
| 12 | 50,165 | 15 | 11 |
| 13 | 50,180 | 15 | 11 |
| 14 | 50,195 | 15 | 11 |
| 15 | 50,210 | 15 | 11 |
| 16 | 50,225 | 15 | 11 |
| 17 | 50,241 | 15 | 11 |
| 18 | 50,256 | 15 | 11 |
| 19 | 50,271 | 15 | 11 |
| 20 | 50,286 | 15 | 11 |
| TOTAL | $301 | $211 |
| Year | Rate 5.01% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,505 | 1,754 |
| 2 | 52,505 | 2,631 | 1,841 |
| 3 | 55,136 | 2,762 | 1,934 |
| 4 | 57,898 | 2,901 | 2,030 |
| 5 | 60,798 | 3,046 | 2,132 |
| 6 | 63,844 | 3,199 | 2,239 |
| 7 | 67,043 | 3,359 | 2,351 |
| 8 | 70,402 | 3,527 | 2,469 |
| 9 | 73,929 | 3,704 | 2,593 |
| 10 | 77,633 | 3,889 | 2,723 |
| 11 | 81,522 | 4,084 | 2,859 |
| 12 | 85,607 | 4,289 | 3,002 |
| 13 | 89,895 | 4,504 | 3,153 |
| 14 | 94,399 | 4,729 | 3,311 |
| 15 | 99,129 | 4,966 | 3,476 |
| 16 | 104,095 | 5,215 | 3,651 |
| 17 | 109,310 | 5,476 | 3,834 |
| 18 | 114,787 | 5,751 | 4,026 |
| 19 | 120,537 | 6,039 | 4,227 |
| 20 | 126,576 | 6,341 | 4,439 |
| TOTAL | $82,918 | $58,042 |
| Year | Rate 3.21% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,605 | 1,124 |
| 2 | 51,605 | 1,657 | 1,160 |
| 3 | 53,262 | 1,710 | 1,197 |
| 4 | 54,971 | 1,765 | 1,235 |
| 5 | 56,736 | 1,821 | 1,275 |
| 6 | 58,557 | 1,880 | 1,316 |
| 7 | 60,437 | 1,940 | 1,358 |
| 8 | 62,377 | 2,002 | 1,402 |
| 9 | 64,379 | 2,067 | 1,447 |
| 10 | 66,446 | 2,133 | 1,493 |
| 11 | 68,578 | 2,201 | 1,541 |
| 12 | 70,780 | 2,272 | 1,590 |
| 13 | 73,052 | 2,345 | 1,641 |
| 14 | 75,397 | 2,420 | 1,694 |
| 15 | 77,817 | 2,498 | 1,749 |
| 16 | 80,315 | 2,578 | 1,805 |
| 17 | 82,893 | 2,661 | 1,863 |
| 18 | 85,554 | 2,746 | 1,922 |
| 19 | 88,300 | 2,834 | 1,984 |
| 20 | 91,135 | 2,925 | 2,048 |
| TOTAL | $44,060 | $30,842 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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|
4.34% |
$500 |
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Last change: ↑1.66% on April 4. |
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|
|
4.34% |
$500 |
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Last change: ↑0.66% on February 4. |
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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% |
$5,000 |
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Last change: ↓0.05% on October 7. |
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4.20% |
$1,500 |
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Last change: ↓0.10% on October 13. |
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