★ TOOL · GIC CALCULATOR · 2026

GIC math. Compounded correctly.

Canadian Guaranteed Investment Certificates compound interest differently depending on the product. Annual-pay vs semi-annual vs monthly vs at-maturity all produce different final values. This calculator handles all four — so you can compare apples-to-apples across EQ Bank, Oaken, Equitable, and Big-Six offerings.

★ INPUTS

COMPOUNDING

★ RESULT

$12,492

at maturity

INTEREST EARNED$2,492
EFFECTIVE ANNUAL4.550%
POSTED RATE4.55%