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I-Bond vs CD vs HYSA Calculator

Compare after-tax returns of I-Bonds, CDs, and HYSAs side-by-side for any holding period. Accounts for federal tax treatment differences.

I-Bond vs CD vs HYSA Details

$10,000
$
5
22%
%
5%
%
4.75%
%
4.85%
%
3.11%
%

Results

Live

I-Bond After-Tax Value

$11,291

HYSA Total (before tax)$12,612
HYSA Interest Earned$2,612
HYSA After-Tax Value$11,906
CD Total (before tax)$12,672
HYSA Total (before tax)$12,612
HYSA Interest Earned$2,612
HYSA After-Tax Value$11,906

How to use

Change one assumption at a time to see what moves the answer most.

Coach Insight

I-Bond vs CD vs HYSA Calculator helps users make a calculators decision with clearer numbers, assumptions, and next actions.

Frequently Asked Questions

Everything you need to know.

Why This Matters

I-Bond vs CD vs HYSA Calculator helps users make a calculators decision with clearer numbers, assumptions, and next actions.

How to Use It

  1. 1Enter your numbers in the input panel.
  2. 2Review the live results and interpretation on the right.
  3. 3Use the general outputs to compare options or plan the next step.
  4. 4Use the related links below if you want to move from analysis to action.
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