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CD Calculator
Estimate certificate of deposit maturity value, interest earned, and effective annual yield across common compounding schedules.
Interactive calculator
Estimate CD maturity value
Project the maturity value of a certificate of deposit using your initial deposit, quoted annual rate, term length, and compounding schedule.
Results
Maturity value
$11,442
Interest earned
$1,442
Effective annual yield
4.59%
How to use it
- 01Enter the initial deposit amount, quoted annual rate, and CD term.
- 02Choose the compounding schedule used by the bank product.
- 03Compare maturity value, interest earned, and effective annual yield.
Result guide
- Maturity value is the projected value of the CD at the end of the selected term.
- Interest earned isolates the gain above your opening deposit.
- Effective annual yield helps compare products that use different compounding frequencies.
About this calculator
CD searchers usually want one clear answer: what will this deposit be worth at maturity under a given bank rate and term.
Compounding frequency matters because the same quoted annual rate can produce slightly different effective yield depending on how often interest is credited.
Frequently asked questions
Why does compounding frequency matter?
Because more frequent compounding credits interest sooner, which slightly increases the effective annual yield and maturity value.
Can I use this for brokered CDs too?
Yes, as long as the rate and compounding assumptions are clear and you are not trying to model call features or early sale pricing.
Does this include early withdrawal penalties?
No. This version estimates standard maturity value only and does not deduct early withdrawal penalties or taxes.
Reviewed by Sarah Jenkins, CPA
Certified Public Accountant (CPA) & Certified Financial Planner (CFP Board)
Reviews consumer credit, US tax brackets, home mortgage amortization calculations, and IRS publication compliance.
Sources: Per IRS Publication / Freddie Mac guidelines/Tax Year 2025/Consumer Finance Protection Bureau educational materials/Standard loan amortization and compound-growth formulas
Disclaimer: Mortgage and tax projections are based on Tax Year 2025 IRS regulations and standard amortization conventions. Under US regulatory laws, these calculations are for informational use only and do not constitute CPA, CFP, or legal financial advice.
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