c d c a l c u l a . c o m
Your CD plan starts with the live CD calculator right here.
Adjust deposit, APY, and term below to see a bank-ready projection instantly. Every change animates the real CD calculator so you stay focused on the goal, not the jargon.
How we keep it safe
Calculations run entirely in your browser—no deposits or personal info ever leave your device. The live card below mirrors exactly what you control.
When you’re ready to fund a CD, keep in mind every bank partners with the FDIC so balances up to $250k per owner stay protected.
We’ll remind you of those protections every time you share or save a plan.
We compound monthly so you get a realistic bank-style number.
Maturity value
$5,216.69
That’s your CD after 1 year at 4.25% APY.
Interest earned
$216.69
Average interest dropped into your savings each month.
Interest makes up 4.15% of the final total.
A tiny nudge
Add $500 more and the CD grows to $5,738.36.
Compare to a checking account
Leaving $5,000 idle at 0% APY would end with the same $5,000. Parking it in this CD yields an extra $216.69 while interest drops in monthly.
We automatically compound every month, so statements match how banks post interest.
Growth timeline
The curve updates instantly as you adjust deposit, APY, or term length.
Share or save
Copying includes a reminder about FDIC coverage so your banker stays aligned.
24k+
Plans built with this CD calculator
$48k
Average goal size
15 years
Longest plan supported
Visual growth engine
The cd calculator animates every change so families see dollars turning into goals at a glance.
Kid-simple controls
Touch-friendly sliders, rounded chips, and playful copy keep the experience inviting even for little hands.
Bank-level accuracy
We compound monthly, round responsibly, and highlight APY so results feel familiar to your banker.
Scenarios
See the CD calculator in action.
Pick a story that matches your family and tweak the numbers above. Every plan uses live cdcalcula math so you can trust the glow.
College jump-start
$15,000 → $18,691
5 years at 4.3% APY
Use the cd calculator to map tuition boosts that stay separate from daily spending.
Dream home reserve
$60,000 → $78,755
7 years at 4.8% APY
Keep your down payment untouched while it grows quietly alongside the housing hunt.
Allowance vault
$2,500 → $2,638
1 yr 6 mo at 3.9% APY
Teach kids patience by letting them watch interest drizzle in every month.
FAQ
Everything you need to trust a CD calculator.
Answers to the most common cd calculator questions families ask when planning deposits, ladders, and future goals.
What makes cdcalcula’s CD calculator different?+
It keeps the intimidation factor low with soft visuals and real-time math while still using the same compounding formulas your bank trusts.
How accurate are the APY and term calculations?+
We compound monthly and let you slide from 3 months to 15 years so the numbers match how certificates of deposit are quoted nationwide.
Can I plan multiple CDs or ladders?+
Yes. Save your favorite combos, duplicate them, and compare scenarios using the featured cards below the calculator.
Is this cd calculator free to use?+
Absolutely. Run unlimited scenarios, then share a link or screenshot with your family or advisor.
Next steps
Share your CD calculator results.
Screenshot the glowing card, send it to a co-saver, or export the figures to your banker. Everyone sees the same beautifully clear plan.
- • Save unlimited scenarios
- • Duplicate math for laddering
- • View on any device