Free tools
CD calculator and maturity planner
Estimate your CD’s maturity date and interest earnings. APYs pre-fill from the top listing in our table for each term — change them to match any offer.
Maturity date and earnings
Choose a deposit date and term, then switch to Estimated earnings to enter your deposit amount and APY.
Planning several CDs? Use the ladder builder below.
CD term
Estimated maturity date
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Interest earned
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Balance at maturity
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Estimates are for illustration only. Actual dates depend on the institution’s settlement and business-day rules; actual earnings depend on the final rate, compounding method, and whether interest is paid out. Figures assume the APY holds for the whole term and interest stays in the CD.
Show matching CDs →CD ladder builder
Split a lump sum evenly across 1- to 5-year CDs and see the estimated interest from each rung.
| Rung | Amount | Example APY | Interest by maturity |
|---|---|---|---|
| Total |
Example APYs are the highest listings in our table for each term with a minimum deposit of $10,000 or less (1 year: 4.65% (online bank); 2 years: 4.82% (online bank); 3 years: 5.00% (credit union); 4 years: 4.95% (online bank); 5 years: 5.00% (credit union)). They’re for illustration — institution details are shared directly after you inquire, and you should confirm rates with each institution. As each rung matures, a classic ladder reinvests it in a new longest-term CD.
FAQs
How is CD interest calculated?
Why might my actual maturity date differ?
No questions match that search. Ask us directly.
Start with the date you need the money
Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.