CD Calculator

Calculate standard tax-deferred Certificate of Deposit interest payouts.

Adjust Parameters

Interactive Form

Initial CD Deposit ($)

Min: 500Max: 1000000

Certificate APY Rate (%)

Min: 0.1Max: 15

CD Term Duration (Months)

Min: 1Max: 120

Certificates of Deposit (CDs) are highly popular, safe savings vehicles offered by banks and credit unions. Backed by FDIC insurance up to $250,000, CDs offer a fixed interest rate that is typically higher than standard savings accounts, in exchange for you agreeing to leave your funds untouched for a set term. This tool calculates your maturity payout clearly so you can plan your cash reserves stress-free.

Calculator FAQs

A low-risk banking savings account that offers a fixed interest rate for a set term, during which you cannot access your cash without penalty.

A fee charged by your bank—typically equal to a few months of interest—if you withdraw your funds before your CD reaches maturity.

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