# CD Calculators — Certificate of Deposit Calculators

Free CD calculators for interest and maturity value, ladders, early-withdrawal penalties, taxes, monthly payouts, real (inflation-adjusted) return, and FDIC/NCUA coverage. Every calculator shares one calculation engine, recalculates as you type, states its assumptions, and publishes the formula behind each number. Results are estimates; your bank's disclosure controls the final figures.

## General Information

- [CD Calculators](https://cdcalculators.net/): The most complete, accurate, and fastest set of CD calculators — with the formula shown for every number.
- [Methodology](https://cdcalculators.net/methodology): How every formula is published, unit-tested against bank disclosure examples, and dated.

## Calculators

Twenty-two calculators are live, grouped by the decision you are making — how much will I earn, should I do it, plan the timing, protect the money, by term, and by bank. Each lives at a root-level URL (for example `/cd-interest-calculator`, `/cd-ladder-calculator`, `/fdic-insurance-calculator`). See [the sitemap](https://cdcalculators.net/sitemap.md) for the full list of live URLs.

## Website Structure

```
cdcalculators.net/
├── /                                        # Homepage — hero calculator + tool directory
├── /cd-interest-calculator                  # Interest and maturity value (flagship)
├── /cd-ladder-calculator                    # Staggered maturities, blended yield
├── /cd-early-withdrawal-penalty-calculator  # Penalty cost + break-even
├── /fdic-insurance-calculator               # Insured vs. uninsured by ownership category
├── ...                                       # 18 more calculators, see the sitemap
├── /guides/<slug>                           # Plain-language guides
├── /compare/<slug>                          # Head-to-head comparisons
└── /methodology                             # How formulas are published and tested
```

## Other Links

- [Sitemap (XML)](https://cdcalculators.net/sitemap.xml)
- [Sitemap (markdown)](https://cdcalculators.net/sitemap.md)
- [Agent Skills discovery index](https://cdcalculators.net/.well-known/agent-skills/index.json) — per the Agent Skills Discovery RFC v0.2.0; the skill itself is at [/.well-known/agent-skills/cdcalculators/SKILL.md](https://cdcalculators.net/.well-known/agent-skills/cdcalculators/SKILL.md)

## Policies

- Educational information only — not financial advice. Results are estimates; your bank's disclosure controls.