CD CalculatorsCD Calculators
22 calculators · no signup · free to use

All your CD math.
In one place.

Live math covering interest, ladders, penalties, taxes, payouts and insurance limits — with the formula shown behind every number. No popups, no walls of ads.

FDIC / NCUA context included
Formulas always on show
Results you can share
22
calculators, one engine
4.40%
top 12-month APY today
1.68%
12-month national average
CD Interest Calculator
What a deposit earns by maturity
Full page →
$500 – $250k
$
nat'l avg 1.68%
%
Term
You'll earn
$440.00
in interest over 1 year
Maturity value$10,440.00
Avg. per month$36.67
Total yield4.40%
At the 1.68% national average for this term you'd earn only $168.00.
See today's best rates →
Begin with a question

What would you like to know?

Choose the question you came with — it opens the tool that answers it.

What will my CD earn?What if I withdraw early?How much tax will I owe?Should I build a ladder?Is a CD better than savings?Am I fully FDIC-insured?
Best rate at a glance
3 mo4.25%6 mo4.25%1 yr4.40%2 yr4.25%5 yr4.50%
Full table →
The math under every result

The compound interest formula, and what it does to $10,000

A = P (1 + r/n)nt
P = principal — the amount you deposit
r = nominal annual rate, written as a decimal
n = compounding periods in a year
t = the term, in years
A = balance at maturity — principal plus interest

Every calculator on this site runs that expression — the penalty, tax and ladder tools just take A and carry on from there. Nothing is estimated or rounded behind your back.

Worked example
$10,000 at 5.00% APY for 12 months, compounded daily
Step 1 — convert 5.00% APY to a daily nominal rate
r = 365 × ((1.05)1/365 − 1) = 4.8793%
Step 2 — substitute into the formula
A = 10,000 × (1 + 0.048793/365)365×1
Step 3 — the result
A = $10,500.00 → interest earned $500.00
Because 5.00% is quoted as an APY, it already contains the daily compounding — so the answer is exactly $500 no matter how often the bank compounds. That is the whole point of APY, and why it is the only figure worth comparing between banks. Quoted as a 5.00% nominal rate instead, daily compounding would pay $512.67.
Methodology & assumptions
Unless you move the compounding selector, calculators assume daily compounding with monthly crediting, a 365-day year, and interest left in the certificate for the whole term. Rates, minimum deposits, compounding basis and early-withdrawal penalties vary by institution— the figures here are illustrative samples carrying their check date, not offers. Every result is an estimate: your bank's Truth in Savings disclosure is the controlling document. Read the full methodology →
Why this site is here

Rate sites name the bank. We give you the number.

Every rate site answers “who pays the most.” Hardly any answer the questions that come next: what the rate means in dollars, what breaking the CD costs, what the IRS takes, and whether a ladder or a Treasury would beat it. This site exists for those questions — one calculation engine, with every formula published.

01
Type it once, use it everywhere
Your deposit, rate and term follow you into every tool — earnings to taxes to penalties, with no retyping.
02
The formula is always visible
Every result publishes the expression that produced it, cited to FDIC, IRS and Regulation DD sources. There are no black boxes.
03
Decide using your own numbers
Guides and comparisons finish with a verdict based on your inputs, rather than "it depends." The gap is usually worth hundreds.
Every tool, one engine

The complete CD toolkit

Calculators grouped by the decision in front of you. Every figure below comes live from today's rates.

22 of 22 shown

How much will I earn?

Straight math on a deposit you have in mind.6 tools
CD InterestMost used
Interest and maturity value for any deposit, rate or term.
You'll earn $440.00
Compound Interest
Set compounding frequencies side by side.
Ending balance $31,294.90
APY ↔ APR Converter
Turn a quoted interest rate into the true annual yield.
True annual yield 4.59%
Monthly Payout
Income when interest is paid out rather than compounded.
Income per month $358.33
Add-On CD
An opening sum plus monthly contributions.
Balance at maturity $17,925.95
Zero-Coupon CD
Today's discount price and the phantom-interest tax.
You pay today $32,819.12

Should I do it?

Head-to-head calls against the alternatives.6 tools
CD vs. Savings
A locked yield against a liquid variable account.
The CD wins by $658.73
CD vs. Treasury
State-tax-free T-bills set against an insured CD.
The Treasury wins by $37.00
No-Penalty CD
Lower yield, full liquidity — is that trade worth making?
If you exit at month 5 $189.97
Jumbo CD
Does the jumbo premium justify the minimum deposit?
Jumbo premium worth $200.00
CD Renewal
Auto-renew, or move the money to a better rate?
Moving the money earns $184.62
Real Return
What a CD earns once inflation is counted.
Real gain in purchasing power $424.00

Plan the timing

Structure and dates — when the cash frees up.3 tools
CD Ladder BuilderStart here if unsure
Stagger the maturities so cash frees up each year.
$50,000 in 5 rungs → $10,000 free each year
Maturity Date
Precise maturity and grace-period dates.
Your CD matures Aug 9, 2027
IRA CD
Traditional against Roth outcomes on a CD inside an IRA.
Traditional ends ahead by $789.79

Protect the money

Insurance limits, tax, and what leaving early costs.3 tools
FDIC Coverage
How much of your balance is genuinely insured.
Uninsured exposure $50,000
CD Tax
The federal and state tax owed on your interest.
You keep $781.00
Early Withdrawal
What breaking a CD early really costs you.
You'd walk away with $103.37

By term

The two terms savers request by name.2 tools
1-Year CD
Precise earnings on a 12-month certificate.
You'll earn $440.00
5-Year CD
Total interest over a full five-year lock.
You'll earn $2,461.82

By bank

Independent math on the published terms of named institutions.2 tools
Marcus CD
Earnings across Marcus by Goldman Sachs CD terms.
You'll earn $200.49
Chase CD
Relationship against standard rates on Chase CD terms.
You'll earn $150.00
Carry on learning

Guides & comparisons

Plain-language explanations, each wired to the calculator it explains.

All guides →All comparisons →
6 min read
How CD interest actually works
APY, compounding and crediting — the three factors that decide what a certificate really pays.
8 min read
CD laddering, step by step
How to capture long-term rates without tying up every dollar for five years.
COMPARISON
CD vs. high-yield savings
A locked rate against instant access — plus a quiz that weighs your real liquidity needs.
Read the comparison →
COMPARISON
CD vs. Treasury bills
The state-tax exemption that quietly outperforms a higher headline CD rate.
Read the comparison →
Why these numbers can be trusted

About these calculators

A certificate of deposit trades access for certainty: you commit money for a fixed term and the bank fixes the yield, insured by the FDIC at banks and the NCUA at credit unions up to $250,000 per depositor, per institution, per ownership category. The math is simple enough to do by hand — which is exactly why a calculator should show you the formula rather than hide it.

These tools share one calculation engine, so the interest figure on the tax calculator matches the one on the ladder builder. Each recalculates as you type, states its assumptions, and publishes the expression behind the number. Your deposit, rate and term follow you from tool to tool.

With the federal funds target at 3.50–3.75% and top certificates near 4.40% against a 1.68% national average, the gap between a good CD and an average one is worth more than most savers assume — usually several hundred dollars on a five-figure deposit. That gap, not the product, is what these tools exist to measure.

Frequently asked

Common questions

Deposits held at FDIC banks and NCUA credit unions are insured up to $250,000 per depositor, per institution, per ownership category. Anything above that at one institution is not covered.
Read the CD glossary →
Methodology
Every formula is published on the page it powers, and unit-tested against worked examples from bank disclosures.
How it's checked
Every figure is checked against primary sources by Tajammal Maqbool, who builds and maintains the site. Rate context assumes a 3.50–3.75% federal funds target.
No dark patterns
No popups, no interstitials, and nothing ever sitting between your inputs and your results.