Money · Calculator

What is that bank bonus actually worth?

Start with a verified offer, then subtract the costs that headline bonus tables usually ignore: account fees, lost interest on committed cash, and the value of your time.

Decision rule: this is an economic-value estimate, not tax advice or a promise that you qualify. Always confirm the bank's current eligibility and account terms before opening an account.

Verified presets

Start with a live offer

No verified offer preset is currently available. Manual assumptions still work.

Headline bonus

Required transactions

Qualification window

days

Expected payout wait

days

Monthly account fees you expect to pay

Cash you must keep committed

Alternative APY for that cash

Your total effort

minutes

Value of your time

$/hr

Verified presets can prefill bank-published fees, but you can change the fee assumption if you expect to qualify for a waiver. For offers whose bank states payout in business days, InfoShot converts that to an approximate calendar-day planning window for this economic estimate. Direct deposits are not treated as locked cash unless you enter a cash commitment yourself. Taxes are not modeled.

InfoShot value estimate

$293.75

estimated net economic value

Modeled bonus

$300.00

Elapsed period

120 days

Estimated fees

−$0.00

Opportunity cost

−$0.00

Time cost

−$6.25

Total modeled costs

$6.25

$29.38 estimated net value per required transaction.

Headline is not net value

A $300 bonus can be materially less valuable after account fees, idle-cash opportunity cost, and the time needed to satisfy the offer.

Source-checked terms stay separate

Offer amounts and qualification windows come from source-checked provider terms. Personal assumptions such as the value of your time stay under your control.

Taxes are excluded

Bank bonuses may be taxable. InfoShot does not estimate your personal tax effect in this calculator.