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Smarter CD rate calculators for smarter savers

Our free CD rate calculator helps you estimate earnings, compare scenarios side-by-side, and understand what your Certificate of Deposit is really worth — after taxes and inflation.

Open CD Rate Calculator

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Four ways to run your CD

Each tool does one job well. Pick where you are in your decision.

Most used

Estimate & compare

CD Calculator

Compound interest, up to 4 scenarios side-by-side, plus reverse goal-solving and after-tax, inflation-adjusted returns.

Run the numbers

Compare current APYs

CD Rates

See the highest CD rates from top FDIC-insured banks across every term. Updated weekly.

Compare rates

Balance yield & access

CD Ladder

Build a ladder of staggered maturities for higher yields with regular liquidity — visualized on a timeline.

Build a ladder

Know the penalty

Early Withdrawal

Find out what it costs to break a CD before maturity — and whether the opportunity cost is worth it.

Check the cost

Why use our CD rate calculator?

Side-by-Side Comparison

Compare up to 4 CD scenarios at once to find the best option.

Precise Calculations

Decimal.js powered — no floating-point rounding errors in your money.

Tax & Inflation

See your real returns after taxes and inflation erosion.

Mobile Friendly

Responsive design with collapsible tables — works great on any screen.

Learn about CDs

How Is CD Interest Calculated?

The compound interest formula, APY vs APR, and how compounding frequency affects your earnings.

What Is a CD Ladder?

How to build a ladder that balances higher yields with regular access to your money.

Early Withdrawal Penalties

How banks calculate penalties, when you can lose principal, and whether breaking early is worth it.

CD vs Savings Account

CDs earn more but lock your money. Savings accounts offer flexibility. Which one fits your goals?

CD Interest Taxes

CD interest is taxable income. Learn how to report it, minimize taxes, and use IRAs to defer.

How to Find the Best CD Rates

Compare APY, check penalties, and use laddering to maximize your CD returns.

View all guides

Transparent & trustworthy

Our calculators use industry-standard compound interest formulas. All calculations run in your browser — we never store your financial data. We clearly disclose our methods and sources so you can verify every number.

For educational purposes only — not financial advice. Consult a qualified financial advisor before making investment decisions.