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GIC Calculator

↻ Updated 2026

See what a Guaranteed Investment Certificate is worth at maturity — the interest it earns at your chosen rate, term and compounding frequency.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Principal invested

Annual interest rate

Term

Compounding frequency

Maturity value

$12,167

after 5 yr at 4%

Interest earned

$2,167

21.7% total return

Principal

$10,000

your deposit

GIC value over the term4% · 5 yr

startmaturity

Principal vs interest at maturity

Principal$10,000

Interest$2,167

ASSUMPTIONS — Interest compounds at the frequency you choose and is reinvested until maturity. Rates are assumed fixed for the full term (typical of a non-redeemable GIC). Interest on a GIC held outside a registered account is fully taxable each year at your marginal rate; hold it in a TFSA or RRSP to shelter it. Eligible GICs are CDIC-insured up to $100,000 per category, per institution.

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Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.