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 2.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,000 | 700 |
| 2 | 51,000 | 1,020 | 714 |
| 3 | 52,020 | 1,040 | 728 |
| 4 | 53,060 | 1,061 | 743 |
| 5 | 54,122 | 1,082 | 758 |
| 6 | 55,204 | 1,104 | 773 |
| 7 | 56,308 | 1,126 | 788 |
| 8 | 57,434 | 1,149 | 804 |
| 9 | 58,583 | 1,172 | 820 |
| 10 | 59,755 | 1,195 | 837 |
| 11 | 60,950 | 1,219 | 853 |
| 12 | 62,169 | 1,243 | 870 |
| 13 | 63,412 | 1,268 | 888 |
| 14 | 64,680 | 1,294 | 906 |
| 15 | 65,974 | 1,319 | 924 |
| 16 | 67,293 | 1,346 | 942 |
| 17 | 68,639 | 1,373 | 961 |
| 18 | 70,012 | 1,400 | 980 |
| 19 | 71,412 | 1,428 | 1,000 |
| 20 | 72,841 | 1,457 | 1,020 |
| TOTAL | $24,297 | $17,008 |
| Year | Rate 1.11% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 555 | 389 |
| 2 | 50,555 | 561 | 393 |
| 3 | 51,116 | 567 | 397 |
| 4 | 51,684 | 574 | 402 |
| 5 | 52,257 | 580 | 406 |
| 6 | 52,837 | 586 | 411 |
| 7 | 53,424 | 593 | 415 |
| 8 | 54,017 | 600 | 420 |
| 9 | 54,616 | 606 | 424 |
| 10 | 55,223 | 613 | 429 |
| 11 | 55,836 | 620 | 434 |
| 12 | 56,455 | 627 | 439 |
| 13 | 57,082 | 634 | 444 |
| 14 | 57,716 | 641 | 448 |
| 15 | 58,356 | 648 | 453 |
| 16 | 59,004 | 655 | 458 |
| 17 | 59,659 | 662 | 464 |
| 18 | 60,321 | 670 | 469 |
| 19 | 60,991 | 677 | 474 |
| 20 | 61,668 | 685 | 479 |
| TOTAL | $12,352 | $8,647 |
| Year | Rate 3.65% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,825 | 1,278 |
| 2 | 51,825 | 1,892 | 1,324 |
| 3 | 53,717 | 1,961 | 1,372 |
| 4 | 55,677 | 2,032 | 1,423 |
| 5 | 57,709 | 2,106 | 1,474 |
| 6 | 59,816 | 2,183 | 1,528 |
| 7 | 61,999 | 2,263 | 1,584 |
| 8 | 64,262 | 2,346 | 1,642 |
| 9 | 66,608 | 2,431 | 1,702 |
| 10 | 69,039 | 2,520 | 1,764 |
| 11 | 71,559 | 2,612 | 1,828 |
| 12 | 74,171 | 2,707 | 1,895 |
| 13 | 76,878 | 2,806 | 1,964 |
| 14 | 79,684 | 2,908 | 2,036 |
| 15 | 82,592 | 3,015 | 2,110 |
| 16 | 85,607 | 3,125 | 2,187 |
| 17 | 88,732 | 3,239 | 2,267 |
| 18 | 91,970 | 3,357 | 2,350 |
| 19 | 95,327 | 3,479 | 2,436 |
| 20 | 98,807 | 3,606 | 2,525 |
| TOTAL | $52,413 | $36,689 |
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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|
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4.20% |
$50,000 |
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Last change: ↑0.20% on December 7. |
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|
|
4.10% |
$25,000 |
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Last change: ↓0.15% on November 26. |
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|
|
4.10% |
$500 |
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Last change: ↓0.10% on September 17. |
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|
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4.10% |
$1,500 |
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Last change: ↓0.05% on December 8. |
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