CD Calculator

Modify the values and click the Calculate button to use

Final Balance: $11,576.25

Initial Investment: $10,000.00
Total Contributions: $10,000.00
Total Interest: $1,576.25
Term: 36 months

86% Contributions14% Interest

Accumulation schedule

Year	Date	Deposits	Interest	Ending balance
1	Nov 2027	$0.00	$500.00	$10,500.00
2	Nov 2028	$0.00	$525.00	$11,025.00
3	Nov 2029	$0.00	$551.25	$11,576.25

Balance, contributions, and interest over time

Balance
Interest
Contributions

What this CD calculator does

A certificate of deposit (CD) is a savings account that pays interest for a fixed term. This calculator estimates the ending balance and total interest from the deposit amount, annual interest rate, CD term, and compounding frequency.

It does not include early withdrawal penalties, taxes, inflation, or fees.

How to use this calculator

Enter the deposit amount.
Enter the annual interest rate.
Enter the CD term in years and months.
Choose the compounding frequency.
Click Calculate to see the ending balance and growth schedule.

CD growth formula

A = P × (1 + r / n)^(n × t)

P is the deposit, r is the annual interest rate, n is the number of compounding periods per year, and t is the term in years.

What the results include

Final balance: the estimated value at maturity.
Total contributions: the original deposit.
Total interest: the interest earned over the term.
Annual growth schedule: yearly interest and ending balance.
Growth chart: balance and cumulative interest over time.

Frequently asked questions

Does this calculator include early withdrawal penalties?

No. Early withdrawal penalties and fees are not modeled.

Does it include taxes?

No. The result is before taxes.

What happens at maturity?

This calculator stops at the end of the CD term. It does not model automatic renewal at a new rate.

Source

Reference: FDIC — Deposit Insurance.

Disclaimer

This calculator is for informational and planning purposes only. It is not financial advice. Confirm the CD rate, term, compounding, and withdrawal rules with the issuing bank.

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