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 After-Tax Value
$11,291
I-Bond After-Tax Value
$11,291
HYSA Total (before tax)
$12,402
HYSA Interest Earned
$2,402
HYSA After-Tax Value
$11,754
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CD Total (before tax)
$12,313
CD After-Tax Value
$11,689
I-Bond Total (before tax)
$11,655
CD advantage over HYSA
-$65

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

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Frequently Asked Questions

Everything you need to know.

Why This Matters

I-Bond vs CD vs HYSA Calculator helps users make a banking & savings 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 compare 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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