CD Calculator

See the maturity value and interest earned on a certificate of deposit from the amount, the APY and the term.

See what a certificate of deposit pays at maturity. Enter the deposit, the advertised APY and the term to find the value at the end and the interest earned, using the compounding the bank quotes.

Read the guide: How a Certificate of Deposit Pays Out

Certificate of deposit

Value at maturity

$10,450

4.50% total over 12 months

Interest earned
$450
Your deposit
$10,000

At maturity

$10,450

  • Deposit96%
  • Interest4%

Uses the APY, which already reflects compounding. Early withdrawal usually forfeits some interest. Estimates only.

How it works

  1. 1

    Enter the deposit

    Add how much you are putting into the CD.

  2. 2

    Add the APY and term

    Put in the bank’s advertised APY and the length of the CD.

  3. 3

    See the payout

    View the value at maturity and the interest you will have earned.

Instant & 100% private — nothing is uploaded

Every calculation runs locally in your browser. The income, balances and goals you enter stay on your own device and are never sent to a server — nothing is stored, logged or shared.

Frequently asked questions

What is APY?
Annual percentage yield is the effective yearly rate after compounding is included, which is why banks advertise it. Enter it directly and the calculator handles the rest.
What happens if I withdraw early?
Most CDs charge an early-withdrawal penalty, often several months of interest. This calculator shows the value if you hold to maturity.
Is a CD better than a savings account?
A CD usually pays a higher rate in exchange for locking the money up for a set term. A savings account pays less but lets you withdraw any time. The right choice depends on when you need the cash.

Important

For information and planning only — not financial, tax or legal advice. These figures are estimates; rates, fees and rules vary, so confirm anything that affects a real decision with a qualified professional or the official source.

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