SoFi Invest with SoFi Plus bonus: is the 1% match worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
Yearly rate on $10,000 while it's there, bonus included.
The math
Compared with leaving $10k at 4.15%
Deposit $10,000 in new money · Keep $10,000 there until day 1825. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $10,000 in new money
- 2Keep $10,000 there until day 1825
- Ends
- No end date listed
- Where
- Nationwide
- Pays while it's there
- 4.15% a year
- Monthly fee
- None
- Keep it open
- At least 1825 days, or the bonus can be taken back
- Cash stays
- About 1825 days
- Bonus paid
- Usually within 7 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the SoFi Invest with SoFi Plus bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $10,000 tier adds +$100: the $100 bonus plus $2,075 interest, minus the $2,075 that cash would have earned in 1825 days. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $10,000 in new money; keep $10,000 there until day 1825. Open nationwide.
When does it end?
No end date is listed. The terms were last checked Oct 10, 2026.