Clear projections. Better deposit decisions.
Model maturity value, compare terms and understand penalties in minutes.
Choose your next step
Estimate maturity value, interest earned, taxes, inflation and a projected balance schedule.
Open toolCompare projected returns, lockup periods and after-tax interest across multiple CD offers.
Open toolEstimate accrued interest, penalties, principal loss and break-even alternative yield.
Open toolCompare fixed CD assumptions with a high-yield savings account under simple rate scenarios.
Open toolStart with the CD interest calculator when you want a simple maturity value estimate from deposit amount, APY and term. Use Compare CDs when you are comparing two or three offers with different yields or lockup periods. Use the early withdrawal calculator when you need to model a penalty, and use CD vs Savings when liquidity and changing savings rates matter.
Cd Calculator estimates maturity balance, interest earned, average monthly interest, optional after-tax interest, inflation-adjusted value and projected balance schedules. The calculators use visible assumptions so you can understand what changed when an input changes.
Cd Calculator does not connect to banks, store personal calculations, recommend specific institutions, use live bank APIs or open financial accounts. Results are estimates for education and planning conversations before you review the official terms from a financial institution.
Understand the terms behind the estimate
CD basics
Understand CD terms, maturity, APY, renewal, grace periods, deposit insurance and the tradeoff between rate certainty and liquidity.
Read How CDs WorkAPY
Learn how APY works on a CD, how it differs from the stated interest rate and how term length changes estimated earnings.
Read What Does APY Mean for a CD?CD penalties
See how CD penalties may be calculated, when they can consume accrued interest and what to verify before cashing a CD early.
Read CD Early Withdrawal Penalties
Cd Calculator
