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Bank bonus net value

How much extra would this bank bonus earn compared with my alternative account?

Your inputs

Your inputs

Calculates bonus, interest and fee differences, not eligibility to receive the bonus.

$
Enter the cash bonus for this particular offer. Do not add mutually exclusive offers together. Unconfirmed conditions produce a conditional scenario, not a confirmed reward.
$
Enter funds that must remain in the account during the offer and cannot be freely used. This is not the total direct deposit requirement; check that condition separately.
days
Enter the actual number of days these funds must remain under the offer terms. This period is used to estimate foregone interest.
%
Enter the assumed APY the same money could earn if you skipped this offer. Both accounts use the same holding period.
$
Include known account and transfer fees for the relevant period, not a whole year. A fee waiver you have not confirmed is not proof that the fee is zero.
Advanced settings8 inputs
%
Enter the assumed APY during the holding period. Enter 0 for no interest. Do not convert the bonus into APY and then count it again as interest.
days
Use the offer terms or your actual expected waiting period. The example of 0 does not mean the bank pays immediately.
$
This is the qualifying payroll deposit threshold, not funds you must keep locked up. It does not confirm you have completed it.
deposits
Zero means no specific count is recorded here. Check the amount and the actual campaign conditions separately.
days
This is the opening-to-funding window, separate from the period you must retain funds. Payment timing uses the later required period.
This is the deadline to open under the offer, not your personal deposit or bonus payment date. Use the actual offer terms.

Your result

Example · Conditional estimate

Conditional pretax net gain

$57.06

90 days · pretax estimate

Bonus plus account interest, minus foregone interest and fees. Tax is not deducted.

This estimate does not confirm eligibility; review the offer conditions below.

Bonus calculation scope · Amount estimate only
New customer
Not assessed
Qualifying direct deposit
Not assessed
Eligible state
Not assessed
Opening and holding deadlines
Not assessed
Other offer restrictions
Not assessed

Key figures

Conditional pretax net gain
$57.06
Account interest
$0.00
Foregone alternative interest
$242.94

Result analysis

Conditional scenario amounts · not confirmed eligibility or a bank quote

Conditions or information are incomplete. The chart is hidden to avoid implying a confirmed return. Expand the details to see partial calculations.

Show calculation details
Conditional pretax net gain
$57.06
Account interest
$0.00
Foregone alternative interest
$242.94
Simple annualized one-time bonus (not APY)
4.87 %
Account bonuses
$300.00
Fees during the period
$0.00
Actual funds holding period
90 days
Expected bonus waiting days
0 days
Days from start to expected bonus payment
90 days

Calculation basisFormula, assumptions & scope

Bonus + interest during the required holding period − alternative interest for that same period − all fees.

  • Other offer terms and reward restrictions: Unknown / not confirmed
  • New-customer eligibility: Unknown / not confirmed
  • Direct deposit or qualifying deposit requirement: Unknown / not confirmed
  • State eligibility: Unknown / not confirmed
  • Opening, funding and holding deadlines: Unknown / not confirmed
  • Conditions are unconfirmed. Do not treat the bonus as a confirmed return.
  • Check new-customer, direct deposit, qualifying deposit, holding-period, state and offer-deadline requirements.
  • Annualizing a one-time bonus is only a comparison measure. It is not bank APY and does not mean the bonus can be repeated throughout the year.
  • Uses fixed APY and a 365-day year. Unknown eligibility is not confirmation. Waiting adds interest opportunity cost only if the funds must remain; waiting for a bonus is not automatically a lockup.
  • No applicable tax rate was entered. Only pretax value is shown; unknown tax is not treated as zero.
  • Payment timing is your scenario input. The model does not discount the delayed bonus itself or include waiting-period fees you did not enter.

CFPB: APY definitions and tiered interest (bonuses are not APY)

Model scope: compare your actual terms or quotes; advertised rates are not your personal costs

IRS: interest and account bonus tax treatment; check personal rates and filing separately

Inputs used for this calculation
Cash bonus
300 USD
Balance you must keep
25000 USD
Required holding period
90 days
Bonus account APY
0 %
Alternative account APY
4 %
All fees during the period
0 USD
Include an after-tax estimate?
Pretax only
Bonus waiting days after the holding period
0 days
Must the funds stay until the bonus arrives?
Funds can leave after the required holding period
Qualifying direct deposit required by the offer
0 USD
Required number of qualifying deposits
0 deposits
Days allowed to complete qualifying funding
0 days
Campaign opening deadline
2026-10-14