Bank bonuses can be very lucrative but may be difficult to calculate if they're “worth it” on the fly. You can use this calculator to figure out the effective APY of an offer using the calculator below.
The defaults are the terms of the active Barclay's offer as of May 2026:
Bank bonus effective APY
See what a sign-up bonus actually pays once you annualize it across the hold period.
$
$
%
Your effective APY is
—
for the hold period
You'll earn a total of
—
bonus plus base interest
Bonus
—
Base interest earned
—
Period return
—
Effective APY annualizes the total return (bonus + interest) across your hold period using compound math.
