65438+ million * 5.85% * 5 * 95% = 127787.5 yuan

Interest is 29,250 yuan

After deducting interest income tax, 1462.5 yuan.

Total principal (after tax) 127787.5 yuan.

Calculated according to compound interest for one year:

Cumulative to the fifth year is116684.67 * 4.14% * 95% =121273.88 yuan.

Interest 4830.75 yuan

After deducting interest income tax, it is 24 1.54 yuan.

Total principal 12 1273.88 (after tax).

Saving for five years is still a high interest rate.