CD Rate Calculator

Calculate CD earnings & compare rates

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Deposit Details

Deposit Amount ($)

Annual Percentage Yield (%)

Term & Options

CD Term Length

Compounding Frequency

Maturity Value

$10,512.67

Interest Earned

$512.67

APR Equivalent

4.879%

Monthly Avg

$42.72

Balance Composition

Principal: $10,000

Interest: $512.67

Early Withdrawal Penalty

Penalty (6 mo interest)

$256.34

Amount After Penalty

$10,256.34

Effective Return

2.56%

Monthly Interest Breakdown

Month	Interest	Cumulative	Balance
1	$41.75	$41.75	$10,041.75
2	$41.93	$83.68	$10,083.68
3	$42.10	$125.78	$10,125.78
4	$42.28	$168.05	$10,168.05
5	$42.45	$210.50	$10,210.50
6	$42.63	$253.13	$10,253.13
7	$42.81	$295.94	$10,295.94
8	$42.99	$338.93	$10,338.93
9	$43.17	$382.09	$10,382.09
10	$43.35	$425.44	$10,425.44
11	$43.53	$468.97	$10,468.97
12	$43.71	$512.67	$10,512.67

Growth Visualization

$10,042

$10,084

$10,126

$10,168

$10,211

$10,253

$10,296

$10,339

$10,382

$10,425

$10,469

$10,513

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About CD Rate Calculator

A comprehensive CD (Certificate of Deposit) rate calculator that computes your total earnings, interest earned, and maturity value based on deposit amount, APY, term length, and compounding frequency. Supports daily, monthly, quarterly, and annual compounding, shows month-by-month interest breakdowns, compares multiple CD terms side by side, and calculates APY vs APR conversions. Includes early withdrawal penalty estimation and CD ladder planning. 100% client-side — no data sent to any server.

CD Rate Calculator Features

APY & APR support
4 compounding frequencies
Monthly breakdown
Multi-term comparison
Early withdrawal penalty
CD ladder planning
Maturity value projection

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