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CD Calculator
Calculate Certificate of Deposit maturity value and APY. Compare rates and compounding frequencies.
💰CD Details
$10,000
$1K$1M
4.5%
0.5%10%
5 years
Maturity Value$12,523.05
Deposit
$10.0K
Interest
$2.5K
APY
4.6%
Deposit vs Interest
CD Growth
Key Features
🛡️
FDIC Insured
CDs are insured up to $250,000 by the FDIC — one of the safest investments.
📊
APY Calculator
See your actual Annual Percentage Yield based on compounding frequency.
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Compare Compounding
Daily vs monthly vs quarterly — see which earns you more.
How to Use
1
Enter Deposit
Set the amount you want to invest in the CD.
2
Set Interest Rate
Enter the APR offered by the bank.
3
Choose Term
Select CD duration from 1 to 10 years.
4
View Returns
See maturity value, interest earned, and APY.
Formula Used
A = P × (1 + r/n)^(n×t)A= Maturity value
P= Principal deposit
r= Annual interest rate (APR)
n= Compounding frequency per year
t= Term in years
Frequently Asked Questions
A CD (Certificate of Deposit) is a time deposit at a bank with a fixed interest rate and maturity date. You deposit money for a set term and earn guaranteed interest.