High-Interest Savings vs. Bonds ROI Calculator

Common Investment Details

High-Interest Savings Account (HISA) Details

Bond Details

Only applicable if Investment Horizon < Years to Maturity.

Note: For simplicity, this calculator does not account for reinvestment of bond coupon payments or complex bond market price fluctuations beyond the assumed sale price if sold early. Bond ROI is calculated for the shorter of Investment Horizon or Bond's Years to Maturity.

ROI Comparison Results

Please enter your investment details on the 'Investment Inputs' tab and click 'Calculate ROI'.

Considerations & Notes

Final Value: ${formatCurrency(hisaFinalValue)}

Total Interest Earned: ${formatCurrency(hisaTotalInterest)}

Total ROI: ${formatPercent(hisaRoi)}

Annualized ROI: ${formatPercent(hisaAnnualizedRoi)}

Bond Investment

Bond Name: ${getStrVal('bondName') || 'N/A'}

Actual Purchase Price: ${formatCurrency(bondActualPurchasePrice)} (for Face Value of ${formatCurrency(bondFaceValue)})

Effective Period Considered: ${effectiveBondPeriod.toFixed(1)} years

Total Coupon Payments Received: ${formatCurrency(totalCouponPayments)}

Capital Gain/(Loss): ${formatCurrency(capitalGainLoss)}

Total Return from Bond: ${formatCurrency(bondTotalReturn)}

Final Value (Sale/Maturity Proceeds + Coupons): ${formatCurrency(finalBondValueForInvestor + totalCouponPayments)}

Total ROI: ${formatPercent(bondRoi)}

Annualized ROI (over effective period): ${formatPercent(bondAnnualizedRoi)}

`; // Populate summary table const summaryTableBody = document.getElementById('summaryTableBody'); summaryTableBody.innerHTML = ` Initial Investment${formatCurrency(principal)}${formatCurrency(bondActualPurchasePrice)} Investment Horizon / Effective Period (Years)${horizonYears}${effectiveBondPeriod.toFixed(1)} Final Value${formatCurrency(hisaFinalValue)}${formatCurrency(finalBondValueForInvestor + totalCouponPayments)} Total Net Return${formatCurrency(hisaTotalInterest)}${formatCurrency(bondTotalReturn)} Total ROI${formatPercent(hisaRoi)}${formatPercent(bondRoi)} Annualized ROI${formatPercent(hisaAnnualizedRoi)}${formatPercent(bondAnnualizedRoi)} `; document.getElementById('comparisonSummaryTableContainer').style.display = 'block'; document.getElementById('toolPdfDownloadButton').style.display = 'block'; openToolTab(null, 'comparisonTab'); // Switch to comparison tab } function downloadRoiPDF() { const { jsPDF } = window.jspdf; const pdf = new jsPDF('p', 'mm', 'a4'); const pdfContentElement = document.createElement('div'); pdfContentElement.classList.add('pdf-content'); let html = `

HISA vs. Bond ROI Analysis

`; html += `

Report Date: ${new Date().toLocaleDateString()}

`; // Inputs html += `

Initial Investment Details

`; html += `

Principal Investment Amount: ${formatCurrency(getNumVal('principalAmount'))}

`; html += `

Investment Horizon: ${getNumVal('investmentHorizon')} years

`; html += `

HISA Details (Input)

`; html += `

Annual Interest Rate: ${getNumVal('hisaRate')}%

`; html += `

Compounding Frequency: ${document.getElementById('hisaCompoundFreq').options[document.getElementById('hisaCompoundFreq').selectedIndex].text}

`; html += `

Bond Details (Input)

`; html += `

Bond Name: ${getStrVal('bondName') || 'N/A'}

`; html += `

Face Value: ${formatCurrency(getNumVal('bondFaceValue'))}

`; html += `

Purchase Price: ${getNumVal('bondPurchasePricePercent')}% of Face Value

`; html += `

Annual Coupon Rate: ${getNumVal('bondCouponRate')}%

`; html += `

Coupon Frequency: ${document.getElementById('bondCouponFreq').options[document.getElementById('bondCouponFreq').selectedIndex].text}

`; html += `

Years to Maturity: ${getNumVal('bondYTM')} years

`; html += `

Assumed Sale Price if Early: ${getNumVal('bondSalePricePercentIfEarly')}% of Face Value

`; // Results const resultsDiv = document.getElementById('resultsOutput'); if (resultsDiv && resultsDiv.children.length === 2) { html += `

Comparison Results

`; html += `

HISA Results

${resultsDiv.children[0].innerHTML.replace(//g, '').replace(//g, '')}`; html += `

Bond Results

${resultsDiv.children[1].innerHTML.replace(//g, '').replace(//g, '')}`; } // Summary Table const summaryTableEl = document.querySelector('#comparisonSummaryTableContainer .comparison-summary-table'); if (summaryTableEl) { html += `

Quick Summary Table

${summaryTableEl.outerHTML}`; } // Notes html += `

Considerations & Notes

`; html += `

HISA Notes:

${getStrVal('hisaNotes') || 'Not specified.'}

`; html += `

Bond Notes:

${getStrVal('bondNotes') || 'Not specified.'}

`; html += `

General Notes:

${getStrVal('generalNotes') || 'Not specified.'}

`; pdfContentElement.innerHTML = html; document.body.appendChild(pdfContentElement); html2canvas(pdfContentElement, { scale: 1.5, useCORS: true, windowWidth: pdfContentElement.scrollWidth, windowHeight: pdfContentElement.scrollHeight }).then(canvas => { const imgData = canvas.toDataURL('image/png'); const pdfWidth = pdf.internal.pageSize.getWidth(); const pageHeight = pdf.internal.pageSize.getHeight(); const imgActualWidth = canvas.width; const imgActualHeight = canvas.height; const aspectRatio = imgActualWidth / imgActualHeight; const pageMargin = 10; let imgWidthInPdf = pdfWidth - (2 * pageMargin); let imgHeightInPdf = imgWidthInPdf / aspectRatio; let heightLeft = imgHeightInPdf; let position = pageMargin; pdf.addImage(imgData, 'PNG', pageMargin, position, imgWidthInPdf, imgHeightInPdf); heightLeft -= (pageHeight - (2 * pageMargin)); while (heightLeft > 0) { position = heightLeft - imgHeightInPdf - pageMargin; pdf.addPage(); pdf.addImage(imgData, 'PNG', pageMargin, position, imgWidthInPdf, imgHeightInPdf); heightLeft -= (pageHeight - (2*pageMargin)); } pdf.save('HISA_vs_Bond_ROI_Analysis.pdf'); document.body.removeChild(pdfContentElement); }).catch(error => { console.error("Error generating PDF:", error); alert("Could not generate PDF. See console for details."); if (document.body.contains(pdfContentElement)) { document.body.removeChild(pdfContentElement); } }); }
Scroll to Top