Bonus ROI & effective APY calculator
A $400 bonus on $5,000 locked up for 90 days is not a 8% return — it is far better. Annualize it and compare against what the same money would earn sitting in a high-yield savings account.
Effective annualized return
12.5%
Compounded equivalent. Simple annualized rate: 12.2%.
- Return over the 180-day period
- 6.00%
- Same money at 4.00% APY
- $98.63
- Advantage over the benchmark
- +$201.37
- Earnings per day of lockup
- $1.67
Best effective APY on the board
| Offer | Bonus | Balance | Hold | Effective APY |
|---|---|---|---|---|
| Chase Business Complete Banking® | $500 | $2,000 | 60d | 288.6% |
| Moomoo Brokerage Account | $800 | $20,000 | 60d | 26.9% |
| U.S. Bank Silver Business Checking | $900 | $30,000 | 60d | 19.7% |
| Huntington Platinum Perks Checking | $750 | $25,000 | 90d | 12.7% |
| Discover Online Savings Account | $200 | $25,000 | 30d | 10.2% |
| Ally Bank Online Savings Account | $250 | $25,000 | 90d | 4.1% |
| Citi Regular Checking | $1,500 | $300,000 | 60d | 3.1% |
| Chase Sapphire℠ Banking | $900 | $75,000 | 180d | 2.4% |
| Webull Brokerage Transfer Offer | $500 | $50,000 | 180d | 2.0% |