CD Calculator
Lock a rate, know the outcome: CDs trade liquidity for certainty. Compute exactly what matures when.
Value at maturity
$26,087.50
- Interest earned (pre-tax)
- $1,087.50
- After 0% taxes
- $25,826.50
How the CD Calculator works
The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:
Frequently Asked Questions
APY already includes compounding?
Yes. APY is the effective annual yield — enter it directly without adjusting for frequency. If you only have nominal APR, convert first.
What happens at maturity?
Most banks auto-renew at the then-current rate within a ~7–10 day grace window. Calendar maturity to shop alternatives deliberately.