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CD Calculator

Project the maturity value of a certificate of deposit (CD) — enter your deposit, rate and term to see the interest earned and final balance.

Comment utiliser cet outil

  1. 1Paste or type your input above.
  2. 2The result updates instantly.
  3. 3Copy the output with one click.

Questions fréquentes

How is CD interest calculated?+

CDs use compound interest: A = P × (1 + r/n)^(n×t), where n is how often interest compounds per year. Most banks compound daily or monthly, which is why the APY is slightly higher than the stated rate.

Is my data private?+

Yes. The tool runs entirely in your browser — nothing you paste or type is uploaded to a server.

Guides & approfondissements

How CD Interest Works: APY, Compounding and Early-Withdrawal Penalties

Understand how certificate of deposit interest is calculated, why APY beats the stated rate, how compounding frequency matters, and what early-withdrawal penalties cost.