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Certificate of Deposit (CD) Calculator

See what a CD really pays: APR vs APY made explicit, after-tax return from your marginal rate, and the cost of an early-withdrawal penalty in months of interest.

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Open Certificate of Deposit (CD) Calculator and you get an answer straight away, with no account to create. It covers APR vs APY made explicit, after-tax return from your marginal rate, and the cost of an early-withdrawal penalty in months of interest — adjust any of them and the result follows immediately.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What does Certificate of Deposit (CD) Calculator do?

See what a CD really pays: APR vs APY made explicit, after-tax return from your marginal rate, and the cost of an early-withdrawal penalty in months of interest.

What does it take into account?

It factors in APR vs APY made explicit, after-tax return from your marginal rate, and the cost of an early-withdrawal penalty in months of interest. Change any of them and the output follows immediately.

When would I actually use this?

Planning a deposit, a safety net or a large purchase: how much to put aside each month, and how long a target takes at a given rate.

What is the most common mistake?

Reading a nominal rate as if it were real. Inflation is subtracted from the return, not from the capital, so a 3% account during 4% inflation loses purchasing power every year.

How is Certificate of Deposit (CD) Calculator different from Fixed Deposit (FD) Calculator?

They sit next to each other but answer different questions: Fixed Deposit (FD) Calculator is the one to open when you need it to work out the maturity value of a fixed deposit with any compounding — simple, annual, quarterly, monthly, daily or continuous — plus the effective annual yield. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

RD calculator (recurring deposit) is the closest one after this: The maturity value of a recurring deposit — a fixed amount paid in every month that earns compound interest. Enter the monthly deposit, the annual rate, the compounding (quarterly is the bank standard) and the tenure; it returns the maturity amount, the total you paid in and the interest earned.

What else is worth having open alongside it?

Loan-to-Deposit Ratio Calculator and 529 College Savings Calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

Compound interest is arithmetic, so the maths is exact for the rate you enter. Real accounts vary in compounding frequency, tax treatment and whether interest is credited before or after a deposit.

Further reading

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GuideWhat a Deposit Ladder Actually Costs: $141.92 Over Five YearsSplit $50,000 into five rungs instead of one five-year deposit and you end year five with $61,573.20 instead of $61,715.12. The whole liquidity option costs $141.92, once, during the ramp — and it is worth $1,049.24 if rates rise a point.ExplainerThe Alimony Formulas Agree on the Amount and Not on the DurationTwo of the three published US alimony guidelines are the same formula written twice: on 150,000 and 30,000 dollars of gross income both give 3,250 a month. What separates them is duration — 2.1 years or 10.5 — and that turns one marriage into 81,900 or 409,500.ExplainerChild Support Is a Shared Cost, Not a Slice of One SalaryIncome shares asks what two parents together would have spent, then splits it. On $5,000 and $3,000 with two children the schedule says $2,257.37, the shares are 62.5 and 37.5 percent, and after 90 overnights the order is $1,301.47 a month.ExplainerWhat a Child Costs Is a Marginal Cost, Not a BillThe USDA's figure of 233,610 dollars for a middle-income child born in 2015 — 317,315 restated in 2025 money — is not a sum of receipts. It is allocated household spending, and the housing line is measured as the cost of one more bedroom.ExplainerThree Different Rules Get Called "The 529 Rule"Qualified expenses, the K-12 cap and state tax treatment are three separate rules, and only the first two are federal. The K-12 cap doubled to 20,000 dollars for tax years from 2026; a federally qualified withdrawal can still be a state recapture event.ExplainerCollege Costs Compound for Eighteen Years Before Anyone EnrolsA four-year public in-state budget is 30,990 dollars today. Eighteen years out at 4 percent cost inflation the same four years cost 266,593 — 2.15 times the sticker you can see now. And the sticker was never the price: the average net cost of attendance is 21,340.