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 1.25% |
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 2.70% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,350 | 945 |
| 2 | 51,350 | 1,386 | 971 |
| 3 | 52,736 | 1,424 | 997 |
| 4 | 54,160 | 1,462 | 1,024 |
| 5 | 55,623 | 1,502 | 1,051 |
| 6 | 57,124 | 1,542 | 1,080 |
| 7 | 58,667 | 1,584 | 1,109 |
| 8 | 60,251 | 1,627 | 1,139 |
| 9 | 61,878 | 1,671 | 1,169 |
| 10 | 63,548 | 1,716 | 1,201 |
| 11 | 65,264 | 1,762 | 1,233 |
| 12 | 67,026 | 1,810 | 1,267 |
| 13 | 68,836 | 1,859 | 1,301 |
| 14 | 70,695 | 1,909 | 1,336 |
| 15 | 72,603 | 1,960 | 1,372 |
| 16 | 74,564 | 2,013 | 1,409 |
| 17 | 76,577 | 2,068 | 1,447 |
| 18 | 78,644 | 2,123 | 1,486 |
| 19 | 80,768 | 2,181 | 1,527 |
| 20 | 82,948 | 2,240 | 1,568 |
| TOTAL | $35,188 | $24,632 |
| Year | Rate 4.08% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,040 | 1,428 |
| 2 | 52,040 | 2,123 | 1,486 |
| 3 | 54,163 | 2,210 | 1,547 |
| 4 | 56,373 | 2,300 | 1,610 |
| 5 | 58,673 | 2,394 | 1,676 |
| 6 | 61,067 | 2,492 | 1,744 |
| 7 | 63,559 | 2,593 | 1,815 |
| 8 | 66,152 | 2,699 | 1,889 |
| 9 | 68,851 | 2,809 | 1,966 |
| 10 | 71,660 | 2,924 | 2,047 |
| 11 | 74,584 | 3,043 | 2,130 |
| 12 | 77,627 | 3,167 | 2,217 |
| 13 | 80,794 | 3,296 | 2,307 |
| 14 | 84,090 | 3,431 | 2,402 |
| 15 | 87,521 | 3,571 | 2,500 |
| 16 | 91,092 | 3,717 | 2,602 |
| 17 | 94,808 | 3,868 | 2,708 |
| 18 | 98,677 | 4,026 | 2,818 |
| 19 | 102,703 | 4,190 | 2,933 |
| 20 | 106,893 | 4,361 | 3,053 |
| TOTAL | $61,254 | $42,878 |
| Year | Rate 5.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,500 | 1,750 |
| 2 | 52,500 | 2,625 | 1,838 |
| 3 | 55,125 | 2,756 | 1,929 |
| 4 | 57,881 | 2,894 | 2,026 |
| 5 | 60,775 | 3,039 | 2,127 |
| 6 | 63,814 | 3,191 | 2,233 |
| 7 | 67,005 | 3,350 | 2,345 |
| 8 | 70,355 | 3,518 | 2,462 |
| 9 | 73,873 | 3,694 | 2,586 |
| 10 | 77,566 | 3,878 | 2,715 |
| 11 | 81,445 | 4,072 | 2,851 |
| 12 | 85,517 | 4,276 | 2,993 |
| 13 | 89,793 | 4,490 | 3,143 |
| 14 | 94,282 | 4,714 | 3,300 |
| 15 | 98,997 | 4,950 | 3,465 |
| 16 | 103,946 | 5,197 | 3,638 |
| 17 | 109,144 | 5,457 | 3,820 |
| 18 | 114,601 | 5,730 | 4,011 |
| 19 | 120,331 | 6,017 | 4,212 |
| 20 | 126,348 | 6,317 | 4,422 |
| TOTAL | $82,665 | $57,865 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
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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|
|
4.45% |
$1,500 |
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Last change: ↑0.10% on July 13. |
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|
|
4.45% |
$50,000 |
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Last change: ↓0.05% on August 2. |
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|
4.45% |
$50,000 |
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Last change: ↓0.05% on April 30. |
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