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Bonus calculator

Enter what you can move. The calculator checks each live offer against it and works out what the bonus leaves after fees and the interest your cash could earn elsewhere.

Updated

Offers limited to other states move to their own list.

In US dollars, for as long as a bank asks you to hold it. Leave empty to skip this check.

11 offers within reach if you can park the cash each asks for, best $1,278.08. See the results

Paychecks or other income paid in by direct deposit. Enter 0 if you have none to move.

Accounts for
Banks you already use
Leave out offers from

Most bonuses are for new customers only, so offers from these banks are left out.

Your rates (savings 4.00%, tax not set)
percent

Your own assumption: what the cash earns where it sits now. It prices the cost of parking it.

percent

Federal and state together, for an after tax figure. Leave empty to skip.

Results

Cash not entered, so no offer is checked against cash. Enter what you can park to check it. 11 offers are within reach if you can park what each one asks for. The best single one with every cost known comes to $1,278.08 after costs. 2 more leave out the cost of parking the cash, because the bank states no hold in days.

Worked out for any state, cash not entered (the cash check is skipped), no direct deposit, personal accounts, a 4.00% savings rate.

Arithmetic on published terms. Each bank decides who qualifies and whether to open an account. These figures are estimates from published terms.

Bonus Tally may earn a commission when you open an account through links on this page. It never changes the math or the ranking. Offers are listed whether or not they pay us.

Within reach on these numbers 11

Ranked by net gain: the bonus, minus monthly fees you would pay, minus what the parked cash would earn at your savings rate over the hold, plus the interest the account pays on it. Offers whose bank states no hold in days come last, because their figure leaves out the cost of parking the cash.

  1. Capital One

    $1,500 top tier. Deposit and hold: $100,000.

    $1,500 tier
    $1,500.00
    Monthly fees
    $0.00
    No monthly fee.
    $100,000 for 90 days at your 4.00%
    −$986.30
    What the cash would earn where it sits now, over the hold period as the bank states it.
    Interest at the account's 3.10% APY
    +$764.38
    Net gain
    $1,278.08
  2. E*TRADE

    $800 top tier. Deposit and hold: $100,000.

    $800 tier
    $800.00
    Monthly fees
    $0.00
    No monthly fee.
    $100,000 for 45 days at your 4.00%
    −$493.15
    What the cash would earn where it sits now, over the hold period as the bank states it.
    Interest at the account's 4.25% APY
    +$523.97
    Net gain
    $830.82
  3. Citibank

    $1,500 top tier. Deposit and hold: $200,000.

    • Open in 10 states only: check yours.
    • Cannot be combined with the Citibank Regular Checking offer for direct deposit.
    $1,500 tier
    $1,500.00
    Monthly fees
    −$60.00
    $15 a month for 4 months (the account must stay open 120 days). Waived with $250 a month in direct deposits, which these inputs do not reach.
    $200,000 for 45 days at your 4.00%
    −$986.30
    What the cash would earn where it sits now, over the hold period as the bank states it.
    Interest the account pays
    $0.00
    No APY is published for this account, so no interest is counted.
    Net gain
    $453.70
  4. Live Oak Bank

    $300 bonus. Deposit and hold: $20,000.

    • Ends Oct 16, 2026
    Bonus
    $300.00
    Monthly fees
    $0.00
    No monthly fee.
    $20,000 for 90 days at your 4.00%
    −$197.26
    What the cash would earn where it sits now, over the hold period as the bank states it.
    Interest at the account's 4.00% APY
    +$197.26
    Net gain
    $300.00
  5. Capital One

    $250 bonus. Debit purchases.

    • Cannot be combined with the 360 Checking offer for direct deposit.
    Bonus
    $250.00
    Monthly fees
    $0.00
    No monthly fee.
    Net gain
    $250.00
  6. Barclays

    $200 bonus. Deposit and hold: $25,000.

    Bonus
    $200.00
    Monthly fees
    $0.00
    No monthly fee.
    $25,000 for 120 days at your 4.00%
    −$328.77
    What the cash would earn where it sits now, over the hold period as the bank states it.
    Interest at the account's 3.50% APY
    +$287.67
    Net gain
    $158.90
  7. Chase

    $200 bonus. Deposit and hold: $15,000.

    • Already part of the $900 Chase Total Checking tier.
    Bonus
    $200.00
    Monthly fees
    $0.00
    $5 a month, waived: the $15,000 this tier keeps in the account meets the $300 balance the bank asks for.
    $15,000 for 90 days at your 4.00%
    −$147.95
    What the cash would earn where it sits now, over the hold period as the bank states it.
    Interest at the account's 0.01% APY
    +$0.37
    Net gain
    $52.42
  8. HSBC

    $3,000 top tier. Deposit and hold: $500,000, investments count.

    $3,000 tier
    $3,000.00
    Monthly fees
    $0.00
    $50 a month, waived: the $500,000 this tier keeps in the account meets the $100,000 balance the bank asks for.
    $500,000 for at least 89 days at your 4.00%
    −$4,876.71
    An estimate: the bank states the hold in calendar months, so the shortest months are counted. A longer hold costs more.
    Interest the account pays
    $0.00
    No APY is published for this account, so no interest is counted.
    Net gain
    −$1,876.71
  9. Chase

    $3,000 top tier. Deposit and hold: $500,000, investments count.

    • The terms list no states. The bank has branches in 48 states, and it decides at application.
    $3,000 tier
    $3,000.00
    Monthly fees
    $0.00
    $35 a month, waived: the $500,000 this tier keeps in the account meets the $150,000 balance the bank asks for.
    $500,000 for 90 days at your 4.00%
    −$4,931.51
    What the cash would earn where it sits now, over the hold period as the bank states it.
    Interest the account pays
    $0.00
    No APY is published for this account, so no interest is counted.
    Net gain
    −$1,931.51
  10. Huntington

    $600 top tier. Deposit and hold: $25,000.

    • Open in 21 states only: check yours.
    $600 tier
    $600.00
    Monthly fees
    $0.00
    $10 a month, waived: the $25,000 this tier keeps in the account meets the $5,000 balance the bank asks for.
    Cost of parking the cash
    $0.00
    Not counted: the bank states no hold period in days, so what $25,000 would earn elsewhere is missing from this figure. It ranks after offers whose costs are complete.
    Net gain
    $600.00
  11. Alliant Credit Union

    $100 bonus. Deposit and hold: $1,200.

    Bonus
    $100.00
    Monthly fees
    $0.00
    No monthly fee.
    Cost of parking the cash
    $0.00
    Not counted: the bank states no hold period in days, so what $1,200 would earn elsewhere is missing from this figure. It ranks after offers whose costs are complete.
    Net gain
    $100.00

Out of reach 11

What the smallest tier of each offer needs, against your inputs.

Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT.

Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.

What the calculator works out

  1. Which live offers are open in your state, for personal accounts, business accounts or both.
  2. The largest tier you can reach with your cash and your monthly direct deposit. Direct deposits count as your monthly amount times the months in the bank's window.
  3. The net gain: the bonus, minus monthly fees you cannot waive, minus what your cash would have earned at your own savings rate over the hold, plus any interest the account pays.
  4. With a tax rate, the same figure after tax at your rate.

Each result shows its working line by line, so you can check every figure against the offer page. Offers you cannot reach say why in numbers, and offers limited to other states sit in their own list.

What it assumes

  • Your savings rate starts at 4.00%. It stands for what your cash earns where it sits now. Change it to your own rate.
  • The hold period is the bank's own number of days. Your cash may sit longer, from the day you fund the account to the day the bonus arrives. A hold stated in calendar months counts its shortest length, and an offer with no hold in days ranks last with the cost of parking left out.
  • Fees count for the days the account must stay open, else an estimate of the days until payout, else 90 days, less any months the bank charges no fee. A tier that parks enough to waive the fee pays none.
  • Eligibility is not checked beyond your state. Leave out the banks you already use; each bank decides who qualifies.

The methodology gives each formula exactly as the calculator applies it. How bank bonuses work walks through one offer from opening to payout, and what counts as a direct deposit explains the deposit figure.

Questions

Why is an offer out of reach?
Its smallest tier needs more cash than you entered, or more direct deposits than your monthly amount gives over the window. The row prints both figures, for example $2,000 needed within 90 days against $900 from $300 a month.
Why does the calculator ask for a savings rate?
Cash parked for a bonus stops earning where it sat before. The calculator prices that at your rate over the hold period: $10,000 for 90 days at 4% is $98.63. The 4.00% default is a starting assumption, not a rate any bank offers. Enter your own.
Does the calculator know whether you count as a new customer?
No. Leave out the banks you already use, and the calculator drops their offers. Each bank decides who qualifies, and the offer page lists what its terms say about earlier accounts.
What happens when the cash field is empty?
The calculator skips the cash check, so offers that need a large balance count as in reach, and the summary says so. Enter an amount to see only the offers your cash can carry.
Why is there no total of all the bonuses?
Some offers cannot both be earned, one may already include another, and each bank decides on its own. The summary counts each such group once and shows the best single net gain instead of a sum.