Project your total interest and maturity value for a Certificate of Deposit.
Calculate CD Returns
Your Results
Enter your details to see results.
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How to Use This Calculator
Enter your deposit amount, term in months, and APY rate.
Frequently Asked Questions
Can I withdraw money from a CD early?
Yes, but you will usually face an early withdrawal penalty.
How does the CD Calculator determine returns?
The CD Calculator uses the fixed APY and the specific term length to calculate exactly how much guaranteed interest you will earn.
Does the CD Calculator account for early withdrawal penalties?
No, the CD Calculator assumes you hold the Certificate of Deposit to full maturity.
Why use a CD Calculator instead of a savings calculator?
CDs usually lock in a fixed rate. The CD Calculator is perfect because it models this exact fixed-term, guaranteed-yield scenario.
Are the CD Calculator results guaranteed?
Yes, assuming the bank is FDIC insured, the output of the CD Calculator is exactly what you will receive at maturity.