CDCD Calculator Tools

CD vs savings calculator

Compare a CD example with savings.

Estimate the interest difference between a fixed CD APY and a savings APY over the same number of months.

Estimated difference
$100
$480CD interest
$380Savings interest
AccessRules differ

Enter both APYs to compare estimated interest.

Rate is only one factor

A CD may show a higher APY, but it usually has a fixed term and early withdrawal rules. A savings account may have more flexibility, but the rate can change.