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See the savings-rate cliff before it arrives

A headline promotional rate can look attractive, but the ongoing rate determines what happens after the offer ends. Compare both periods with a steady-rate alternative using your own numbers.

Your comparison

Estimated result

Promo account interest$0.00
Steady-rate interest$0.00
Difference$0.00
Promo account ending balance$0.00
Estimated first-month interest drop when the promotion ends$0.00

Estimate assumes monthly compounding, no deposits or withdrawals, and rates that remain unchanged. Banks may calculate interest daily and apply eligibility rules, balance limits, taxes, or fees.

Month-by-month estimate

MonthApplied promo-account ratePromo-account interestPromo-account balanceSteady-rate balance

What is a savings-rate cliff?

It is the drop from a temporary promotional rate to the account's lower ongoing rate. The headline rate may win over a short period while a steady rate can earn more over a longer period.

Use the full comparison period—not only the promotional months—when deciding whether moving money is worthwhile.

Before opening an account

Confirm the promotion's start and end dates, qualifying-deposit rules, maximum eligible balance, regular rate, fees, withdrawal restrictions, deposit insurance eligibility, and whether existing customers qualify.

This calculator provides educational estimates, not financial advice or a guarantee of interest. Verify all rates and terms directly with the financial institution.