Certificate of Deposit Calculator
See what your CD will be worth at maturity.
Result
How to use
- Enter your values in the fields above.
- Press Calculate to see your result instantly.
- Use the Share button to copy a link to your result.
About this calculator
A certificate of deposit is a bank product that locks your money away for a fixed term at a fixed interest rate, typically paying more than a standard savings account in exchange for reduced liquidity — usually an early-withdrawal penalty if you need the cash before maturity. Its maturity value depends on the principal, the stated rate, the term length, and how often interest compounds, which is why the effective annual yield (APY) can differ from the quoted rate (APR).
Conservative savers use CDs to build an emergency-fund ladder or a fixed-income allocation, and they’re especially popular with retirees who prioritize protecting their principal over chasing growth.
This calculator takes your principal, interest rate, term and compounding frequency, and returns the maturity value, the interest earned, and the effective APY.
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