Free CD calculator
Calculate CD interest and maturity value.
Estimate how much a certificate of deposit could earn from deposit amount, APY, term length, and optional tax rate. This is a planning tool, not financial advice.
More CD tools
Build a quick answer around the exact money question you have, then verify the final terms with the bank or credit union.
Certificate of Deposit Calculator
Use a clearer CD-focused version of the maturity calculator.
CD Ladder Calculator
Split cash into multiple CD terms and see a sample ladder.
Early Withdrawal Penalty Calculator
Estimate how an early-close penalty can change your payout.
APY to Interest Calculator
Convert APY into a rough dollar amount for days or short terms.
CD vs Savings Calculator
Compare a fixed CD example against a savings account example.
How the calculator works
APY already represents annual percentage yield, so the estimate compounds by using the APY over the selected term. The result is useful for planning, but the exact payout depends on the bank's compounding method, funding date, maturity date, penalties, and tax treatment.