A Certificate of Deposit (CD) calculator projects the final value and interest earned when you deposit a lump sum at a fixed interest rate for a set term. CDs are FDIC-insured and offer guaranteed returns — higher rates than savings accounts in exchange for locking up funds.
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Pro Tip
Compare APY (Annual Percentage Yield), not APR. APY accounts for compounding — a 5% rate compounded daily gives a 5.13% APY.
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Did You Know?
CD laddering is a strategy where you split money across CDs with different maturities (e.g., 1yr, 2yr, 3yr). As each matures, you reinvest at the longest term, maintaining liquidity while earning higher long-term rates.
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