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GIC & Blocked Account Payout Calculator

Calculate interest earnings, processing fees, and monthly refund schedules for Canadian GICs and German Sperrkontos.

Configure Deposit Variables

Payout Rules Checklist:
  • Under SDS rules, GIC is fixed at C$20,635.
  • Your bank releases C$4,127 immediately upon in-branch activation.
  • The rest is paid monthly for 12 months (~C$1,375.67 + interest).
Payout Summary
C$1375.67 / mo

Releasing for 12 months after arrival.

Initial Payout (20%):C$4,127
Est. Interest Earned:+C$482
Net Interest Yield (Minus Fee):C$332
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