Calculate the interest, APY and maturity value of a certificate of deposit from the deposit, rate (APY or APR), compounding and term, with optional tax.
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About this tool
Calculate certificate of deposit interest, APY and maturity value.
How to use CD Calculator
Enter the deposit.
Enter the rate, choose APY or APR and the compounding, then the term.
Read the maturity value and interest.
Worked example
10,000 in a 12-month CD at 4.5% APY is worth 10,450 at maturity.
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.
CD Calculator — Calculate certificate of deposit interest, APY and maturity value.
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