He aha te utu o tō moni moe ki a koe?
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.
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.
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.
| 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.
The rate is not guaranteed for a year
Ka whakatau ā-tau te tātaitai i te rārangi o tēnei rā. He pūmau te APY, ā, ka whakarerekētia pea ina huri haere ngā āhuatanga o te mākete; ka mau te reiti o tētahi taumata kua maukati mō tōna wā, kāore e roa ake. Ko te whakaputu i tētahi reiti i roto i ngā tau e rima he pāngarau, ehara i te matapae, ā, kāore he hua i konei e herea ana ki te kirimana i tua atu i te wā ka whiriwhiria e koe.
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
Ko te āputa e whakaatuhia ana e te tātaitai he rerekētanga hua, ehara i te whakataurite ōrite. He rerekē ngā tūraru o te pūtea penapena peeke me te hua penapena stablecoin kua hipokina. Ka hipokina ngā pūtea e OpenCover i runga i ngā Kawa Tairongo kua tautuhia e Coinstancy, i raro i ngā tikanga kaupapa here, ngā here me ngā aukatinga.
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.