CD Calculator
Calculate Certificate of Deposit returns and maturity values. Compare different CD terms, interest rates, and compounding frequencies to maximize your savings.
Calculator
Enter your information to calculate results
CD Summary
Growth Timeline
FDIC Insured
CDs from FDIC-insured banks are protected up to $250,000 per depositor, per bank. Your $25,000.00 deposit is fully protected.
Early Withdrawal Penalty
Withdrawing funds before maturity typically results in penalties, often 3-12 months of interest. Consider your liquidity needs before committing to a CD.
How It Works
The CD Calculator uses compound interest to determine your certificate of deposit returns:
A = P(1 + r/n)^(nt)
Where A = final amount, P = principal, r = annual rate, n = compounding frequency, t = time in years
Key Features:
- Guaranteed Returns: Fixed interest rate for the entire term
- FDIC Insurance: Protected up to $250,000 per depositor, per bank
- Compound Interest: Interest earns interest over time
- Various Terms: From 30 days to 10+ years available
- Predictable Growth: Know exactly what you'll earn at maturity
Examples
Example: 18-Month CD
Principal: $25,000
Rate: 4.75% APY
Term: 18 months
Compounding: Monthly
Final Value: ~$26,850
Interest Earned: ~$1,850
Example: 5-Year CD
Principal: $50,000
Rate: 5.25% APY
Term: 5 years
Compounding: Daily
Final Value: ~$64,750
Interest Earned: ~$14,750
Compare
CD Strategy Comparison:
CD Laddering Strategy
CD vs Other Savings
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