How to use this calculator
- Enter the total amount to place in CDs.
- Select number of CDs, APY, and ladder length.
- Review annual maturity schedule and reinvestment estimate.
- Use the ladder to balance access to cash and yield.
#156 · Finance Tool
CD Ladder Calculator
Plan a CD ladder by splitting deposits across several maturities and estimating interest plus reinvestment growth.
Calculator
CD ladder inputs$
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yr
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What the result means
Plan a CD ladder by splitting deposits across several maturities and estimating interest plus reinvestment growth. The result is an estimate for planning and comparison. It does not replace professional financial advice.
FAQ
What is a CD ladder?
This calculator estimates the result from the values you enter. Adjust the assumptions to compare scenarios before making decisions.
Why split deposits across maturities?
This calculator estimates the result from the values you enter. Adjust the assumptions to compare scenarios before making decisions.
How is reinvestment estimated?
This calculator estimates the result from the values you enter. Adjust the assumptions to compare scenarios before making decisions.
Is a CD ladder safer than investing?
This calculator estimates the result from the values you enter. Adjust the assumptions to compare scenarios before making decisions.
Can I use this for term deposits?
This calculator estimates the result from the values you enter. Adjust the assumptions to compare scenarios before making decisions.