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 0.99% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 495 | 347 |
| 2 | 50,495 | 500 | 350 |
| 3 | 50,995 | 505 | 353 |
| 4 | 51,500 | 510 | 357 |
| 5 | 52,010 | 515 | 360 |
| 6 | 52,524 | 520 | 364 |
| 7 | 53,044 | 525 | 368 |
| 8 | 53,570 | 530 | 371 |
| 9 | 54,100 | 536 | 375 |
| 10 | 54,636 | 541 | 379 |
| 11 | 55,176 | 546 | 382 |
| 12 | 55,723 | 552 | 386 |
| 13 | 56,274 | 557 | 390 |
| 14 | 56,831 | 563 | 394 |
| 15 | 57,394 | 568 | 398 |
| 16 | 57,962 | 574 | 402 |
| 17 | 58,536 | 580 | 406 |
| 18 | 59,116 | 585 | 410 |
| 19 | 59,701 | 591 | 414 |
| 20 | 60,292 | 597 | 418 |
| TOTAL | $10,889 | $7,622 |
| 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 2.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,375 | 963 |
| 2 | 51,375 | 1,413 | 989 |
| 3 | 52,788 | 1,452 | 1,016 |
| 4 | 54,239 | 1,492 | 1,044 |
| 5 | 55,731 | 1,533 | 1,073 |
| 6 | 57,264 | 1,575 | 1,102 |
| 7 | 58,838 | 1,618 | 1,133 |
| 8 | 60,456 | 1,663 | 1,164 |
| 9 | 62,119 | 1,708 | 1,196 |
| 10 | 63,827 | 1,755 | 1,229 |
| 11 | 65,583 | 1,804 | 1,262 |
| 12 | 67,386 | 1,853 | 1,297 |
| 13 | 69,239 | 1,904 | 1,333 |
| 14 | 71,143 | 1,956 | 1,370 |
| 15 | 73,100 | 2,010 | 1,407 |
| 16 | 75,110 | 2,066 | 1,446 |
| 17 | 77,175 | 2,122 | 1,486 |
| 18 | 79,298 | 2,181 | 1,526 |
| 19 | 81,478 | 2,241 | 1,568 |
| 20 | 83,719 | 2,302 | 1,612 |
| TOTAL | $36,021 | $25,215 |
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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|
|
4.25% |
$25,000 |
Learn More | |
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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 |
Learn More | |