Enter Total Investment
Enter the total amount to divide equally across the selected GICs.
Plan a GIC ladder strategy to maximize returns while maintaining periodic liquidity.
Enter investment details to see your laddering strategy.
Divide an investment across multiple GIC maturities to create a regular liquidity schedule.
Enter the total amount to divide equally across the selected GICs.
Choose how many certificates to include. More maturities can provide more frequent access to funds.
Enter the term in months and annual interest rate for every GIC.
Indicate whether maturing principal and interest will be reinvested or kept available.
The calculator combines this date with each term to estimate maturity dates.
The allocation table lists principal, term, rate, interest, and maturity date. The liquidity schedule shows when funds become available, while the chart compares principal and interest.
Actual GIC rates, compounding rules, redemption restrictions, deposit insurance, and terms vary by institution. GIC Laddering Calculator results are estimates for informational and educational purposes.