He aha te utu o tō moni moe ki a koe?
Tāuruhia tō toenga me tō reiti o nāianei. Tirohia te āputa i roto i ngā tāra ia tau.
Kāore he whakaurunga · Kāore he mea e kohia, e tukuna ana ki hea · Ngā reiti Coinstancy Pro mai i te Mahuru 2026
Te putanga poto
- Enter your balance, the rate your bank pays you today and a horizon. Everything is computed in your browser: nothing is collected or sent anywhere.
- The difference appears in dollars per year, per month and per day, then compounded over 1, 3 and 5 years.
- Coinstancy Pro rates as of September 2026: 6.00% with no lock, up to 6.75% on a 12-month term.
- Withdrawals are available within 48 hours. On a locked tier, an early exit returns your capital and forfeits the accrued interest.
- This is not a bank deposit and not FDIC insured. Every figure on the page is gross, before tax.
Enter your balance, current rate and horizon.
Use the portion of your treasury you have already identified as untouched — not your operating account. Three fields, and the results below update as you type.
Your treasury
Ko te wāhanga rāhui anake. Waiho te utu mahi me ngā nama ki te pēke.
Pānuitia mai i tō pūrongo pēke. He maha ngā toenga pūkete pakihi kāore e whiwhi moni — tāuruhia te 0 mēnā ko tērā tō āhuatanga.
The horizon sets the tier. Longer commitment, higher rate — and an early exit forfeits the accrued interest.
Side by side, first year
Gross, before tax, assuming both rates hold for twelve months. Nothing you type here leaves your browser.
The gap, in dollars per year.
He waitara noa te rerekētanga o te reiti. Ko te rerekētanga anō e whakaaturia ana hei rārangi i roto i tō pūtea, ehara i te mea waitara. Anei mō ia tau, ia marama, ia rā.
Ko te rerekētanga mō te tau katoa i runga i te toenga i tāuruhia e koe.
He aha te uara o te whakatau i waenga i ngā hui poari e rua.
Ko te utu o te whakaroa i te whakatau mō te wiki anō, e whitu ēnei.
He aha ngā whakapae a te tātaitai
Matapae mō te 1, 3 me 5 tau.
Ka whiwhi moni te moni whakaputa kua waiho i reira. Ka whakakotahi te tūtohi i ngā reiti e rua i ia tau ki te toenga kotahi, me te kore he pūtea anō, me te kore he tangohanga.
| Horizon | I tō reiti o nāianei | I te taumata Coinstancy Pro | Rerekētanga |
|---|---|---|---|
| 1 tau | — | — | — |
| 3 tau | — | — | — |
| 5 tau | — | — | — |
Cumulative interest, gross of tax. Annual compounding on a balance that never changes is a modelling convention, not a promise: neither your bank rate nor the Coinstancy Pro grid is fixed for five years, and a locked tier holds its rate only for its term. Beyond that term the projection assumes you renew at the same rate, which is an assumption and not a commitment.
If the balance is not stable, use the other calculator
Ka whakaaro tēnei whārangi he toenga e noho pūmau ana. Mēnā kei te heke haere tō moni ia marama, ko te pātai e tika ana, e hia te roa o tō huarahi, ā, he aha te hua ka tāpiri atu ki a ia — kaua ko te mea ka whiwhi te toenga pūmau.
Whakatuwheratia te tātaitai reiti wera me te huarahiNgā tikanga me ngā tūponotanga hei maumahara.
A calculator makes a difference look certain. It is not. These are the conditions attached to the higher figure, and the things that can make it wrong.
The rate is not guaranteed for a year
The calculator annualizes today’s grid. The no-lock tier can change; a locked tier holds its rate for its term and no longer. Compounding one rate over five years is arithmetic, not a forecast, and no yield here is contractual beyond the term you select.
Early exit costs the interest, not the capital
If you take a locked tier and withdraw before the term ends, your capital is returned and the accrued interest is forfeited. There is no penalty on the principal. If you are not certain of the horizon, model the no-lock tier at 6.00% instead.
Liquidity is 48 hours, not same-day
Ka wātea ngā tangohanga i roto i ngā hāora 48. He pai tērā mō te rāhui, engari hē mō te moni utu. Whakahaerehia tēnei tātaitai anake ki te wāhanga o te toenga kua tautuhia e koe hei kore-pā, mō te pae i kōwhiria e koe.
Ehara tēnei i te pūtea penapena, ā, kāore i te inihua FDIC
The gap the calculator shows is a yield difference, not a like-for-like comparison. A bank deposit and a covered stablecoin savings product carry different risks. Eligible funds are covered through OpenCover, up to 100% of their USD value, subject to policy terms, limits and exclusions.
What coverage does not include
Coverage applies to specific protocol events — smart contract code bugs and errors, oracle manipulation or failure, liquidation failure, malicious governance takeovers. It does not cover a depeg of the underlying stablecoin, a yield below the advertised rate, or losses outside the listed events.
Figures are before tax
Ko ia tau kei tēnei whārangi he kino. Ko te moni hua ka puta mai i te pūtea a te kamupene ka tāke i te nuinga o ngā rohe, ā, kāore i te rite te tikanga o te hua o te moni pūmau ki te tikanga o te moni hua pēke. Pātai atu ki tō kaikaute i mua i te taenga o te rerekētanga ki tō matapae.
Ko ngā tikanga o te kapinga kua whakatakotoria ki te whārangi haumaru, ngā whakaritenga whakauru ki te whārangi tautukunga, me te tikanga o te hua ki te pēhea e mahi ai. Mō te anga whānui, tirohia te arotohu whakahaere pūtea.
This calculator is an arithmetic tool, not investment, tax or legal advice. It runs entirely in your browser: no figure you enter is stored, transmitted or associated with you, and no sign-up is required to use it.
Hurihia te tau hei tohatoha.
Whakatuwherahia tētahi pūkete tika. Mēnā e hiahia ana tō rōpū pūtea ki ngā tikanga kapinga me ngā whakaritenga KYB i mua i tērā, ko te waea atu te huarahi tere ake.