CD Calculator
Calculate certificate of deposit interest, APY and maturity value.
Enter your values to see the result.
Results are estimates for planning only. Actual figures depend on your lender or bank, fees, rounding and the exact dates used, so confirm the numbers before you sign anything.
Continue your work
- Interest Calculator — Compare with a savings account.
- Fixed Deposit (TDR) Calculator — Calculate a fixed deposit.
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Clear instructions
Find steps, examples and limitations below.
Use online
Open the tool in a supported web browser.
Free to use
No sign-up required. Tool-specific limits may apply.
How to use the CD Calculator
Calculate certificate of deposit interest, APY and maturity value.
- 1 Enter the deposit.
- 2 Enter the rate, choose APY or APR and the compounding, then the term.
- 3 Read the maturity value and interest.
Example and practical tips
10,000 in a 12-month CD at 4.5% APY is worth 10,450 at maturity.
Frequently asked questions
What is the difference between APR and APY?
APY includes compounding, so it is the real yearly return. APR is the rate before compounding.
Can I withdraw early?
Usually with a penalty of several months of interest.
Report an issue
Something broken or not quite right? Tell us and we will look into it.