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CD Calculator

Enter the principal, APY, and term in years to find the CD maturity value.

How to use

  1. Enter your values in the fields above.
  2. Press Calculate to see your result instantly.
  3. Use the Share button to copy a link to your result.

About this calculator

A certificate of deposit (CD) is a time deposit at a bank or credit union that pays a fixed APY in exchange for locking up the principal for a set term — withdrawing early usually triggers a penalty, which is the tradeoff for the typically higher rate than a regular savings account.

Because CD interest compounds (frequency varies by institution, but the quoted APY already reflects it), the maturity value grows faster than simple interest would suggest over longer terms. This calculator takes the principal, APY, and term in years to compute the total value at maturity and the interest earned over that period.

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