CD Maturity Date Calculator
Know the day your CD matures, the final day of the grace period, and how long you have to decide before it auto-renews.
The two dates that count for more than maturity
The first is fourteen days before maturity — the day to start shopping, since good replacement rates take a few days to fund. The second is the final day of the grace period, usually 7–10 days after maturity. Between those two dates the money can go anywhere, penalty-free. Miss the window and the CD renews for a whole new term at whatever the bank posts that day, which on a promotional CD is routinely a full percentage point worse.
Banks are not being sneaky here — the renewal terms sit in the disclosure — but the default is engineered around inertia. The reminder box above exists because a calendar entry is worth more than any rate table.
Edge cases at month-end and on weekends
A CD opened January 31 on a 1-month term matures February 28 (or 29) — dates clamp to the end of shorter months, and this calculator handles that the way banks do. Maturities landing on weekends or federal holidays roll forward to the next business day, with interest accruing through the roll. Neither quirk costs you money, though both can throw off a hand-counted calendar.