CD Calculator

See what a certificate of deposit is worth at maturity. Enter the amount you deposit, the APY the bank offers and the term length. The calculator grows your balance at the APY and shows the final value plus the interest earned.

Tool Features

• Compute maturity value from deposit and APY
• Show total interest earned over the term
• Monthly compounding of the APY
• Compare different terms side by side
• No registration or software installation

Common Usage

• Compare a 12-month vs 60-month CD
• Check what a $10,000 deposit earns
• Decide if a CD beats a savings account
• Plan for a known future expense