CD (Certificate of Deposit) Calculator
Estimate CD interest earned and ending balance at maturity with common compounding options. A CD calculator estimates how much interest you’ll earn on a certificate of deposit over a fixed term. It’s useful for comparing APYs, terms, and compounding frequencies when deciding between savings options.
Inputs
$
%
Maturity value
Ending balance
$10,939.90
Interest earned$939.90
Term (years)2
Growth table
| Year | Balance | Interest earned |
|---|---|---|
| 1 | $10,459.40 | $459.40 |
| 2 | $10,939.90 | $939.90 |
How to use it
- Enter the initial deposit.
- Enter APY (or interest rate) and select a term length.
- Pick a compounding frequency (monthly is common).
- Review interest earned and maturity value.
Key formulas
- Compound growth (no contributions)
- FV = P × (1 + r/n)^(n×t)
- r = annual rate, n = compounds/year, t = years.
FAQ
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Disclaimer
This is an estimate. Bank products, compounding, and penalties vary. Not financial advice.