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Calculateur

Calculateur de CPG

See what your GIC will be worth at maturity, using today’s best Canadian rates — or your own.

Taux des CPG vérifiés Mis à jour chaque semaine

Your GIC

Durée
Taux d’intérêt
Compte

Value at maturity · 1 year

10 375,00 $

Intérêts gagnés
375,00 $
Tax-free in a TFSA
375,00 $
Taux
3,75 %
Effective annual yield
3,75 %
  1. Première année10 375 $

Your deposit Intérêts

That’s $91.38 more than the best ongoing savings rate (2.80% at Oaken Financial) over the same time.

$10,000 in a 1-year GIC at each provider

  1. Oaken Financial · 3,75 %+$375
  2. Achieva Financial · 3,70 %+$370
  3. Coast Capital · 3,10 %+$310
  4. EQ Bank · 3,00 %+$300
  5. BMO · 3,00 %+$300
  6. Alterna Bank · 2,65 %+$265
  7. Banque Scotia · 2,45 %+$245
  8. CIBC · 2,00 %+$200

Non-redeemable rates, annually compounding, before tax. See every GIC rate.

Build a 5-year GIC ladder with $10,000

Split it evenly across 1- to 5-year GICs at the best rate for each term. Average rate 4,22 %, about 422 $ of interest in year one, and one rung comes free every year.

3,75 %1 an$2,000 at Oaken Financial→ $2,075
4,20 %2 ans$2,000 at Oaken Financial→ $2,172
4,30 %3 ans$2,000 at Oaken Financial→ $2,269
4,35 %4 ans$2,000 at Oaken Financial→ $2,371
4,50 %5 ans$2,000 at Oaken Financial→ $2,492

FAQ

GIC questions

How is GIC interest calculated?

Most Canadian GICs compound annually: each year’s interest is added to the balance and earns interest the next year. Maturity value = amount × (1 + rate)^years. Some GICs pay interest out monthly or yearly instead (simple interest), which earns slightly less.

How much will $10,000 earn in a 1-year GIC?

At today’s best 1-year rate of 3.75% (Oaken Financial), $10,000 earns $375.00 in one year.

How much will $10,000 earn in a 5-year GIC?

At the best 5-year rate of 4.50% (Oaken Financial), compounded annually, $10,000 grows to $12,461.82 — $2,461.82 in interest.

Is GIC interest taxable?

Yes, in a non-registered account GIC interest is taxed as income at your marginal rate, even before maturity (interest accrues annually for tax). Inside a TFSA it is tax-free; inside an RRSP it is tax-deferred until withdrawal.

What is a GIC ladder?

You split your money across 1- to 5-year GICs. Each year one rung matures and you reinvest it for 5 years, so you keep earning long-term rates while some money comes free every year.

Are GICs safe?

GICs at CDIC members are insured up to $100,000 per insured category (and credit unions by provincial insurers). Your rate is locked for the term, but non-redeemable GICs can’t be cashed early.

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