fiscal
nonsense.
English
Watch on YouTube
← All calculators

FREE TOOL / NO SIGNUP

Savings Offer Calculator

Compare a temporary bonus rate with a steady rate over the same holding period.

Your numbers

Same currency throughout. Simple interest only: no reinvestment, APY/AER conversion, taxes, balance changes, caps or withdrawal penalties. Months are equal year fractions. Rates are assumptions, not live offers. Check eligibility, access and local protection separately.

How it works

Interest equals starting balance times annual simple rate times months divided by 12. Offer A uses the bonus rate until the bonus ends, then the later assumed rate. Offer B uses one steady rate. Fees are paid separately and deducted from earnings, not from the deposit. A negative net result means fees exceed interest.

Fictional example: 10,000 at 6% for 3 months then 2% for 9 months earns 300. At 4% for 12 months it earns 400. Over only 3 months, the results reverse: 150 versus 100.

Source and background

CSV files open in spreadsheet apps. They contain your inputs and calculated results, not formulas or a connected financial account.