Enter Deposit and Term
Provide the opening deposit and CD duration in months or years.
Calculate CD maturity value, total interest, and effective APY for US Certificate of Deposit accounts.
Enter deposit, term, and rate to see maturity amount and interest earned.
Estimate maturity value, interest, taxes, add-on deposits, and an early-withdrawal payout.
Provide the opening deposit and CD duration in months or years.
Choose the quoted rate type. APY includes compounding; APR uses the selected frequency.
Optionally include an estimated tax rate and recurring deposits for an add-on CD.
Enter the months of interest charged for early withdrawal, then test a withdrawal month in the result panel.
The calculator reports maturity value, total interest, effective APY, contributions, estimated tax, and an early-withdrawal payout after the selected penalty.
Bank agreements differ on compounding, grace periods, renewals, add-on deposits, and penalties. Confirm terms with the issuer. Certificate of Deposit Calculator results are estimates for informational and educational purposes.