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CD ladder calculator

Project each certificate-of-deposit rung at its own maturity using its deposit, APY and term.

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More inputs and assumptions

Answer

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Project each certificate-of-deposit rung at its own maturity using its deposit, APY and term.

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Precision and calculation record
Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.
Saved scenario
Save the current answer, then change an input to compare. This clears when you leave.
Formula and assumptions
Each balance = deposit × (1 + APY)^(months/12). The total combines balances at different dates; it is not a balance available on one date. Reinvestment rates, early withdrawals, taxes and penalties are not assumed.
In a list, use spaces, new lines, semicolons, or commas followed by a space. A comma between groups of three digits is a thousands separator.
Automatic precision shows numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.
Scratch calculator
Use +, −, ×, ÷, parentheses and %. A percentage is divided by 100. This does not change the main tool.
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Using CD ladder calculator
Project each certificate-of-deposit rung at its own maturity using its deposit, APY and term.
Each balance = deposit × (1 + APY)^(months/12). The total combines balances at different dates; it is not a balance available on one date. Reinvestment rates, early withdrawals, taxes and penalties are not assumed.
Next: CD calculator
A worked example
Example inputs: deposits by rung = 1000, 1000, matching apys (%) = 5, 5, matching terms (months) = 12, 24. Total at individual maturities = 2152.5.
Before you use the result
Each balance = deposit × (1 + APY)^(months/12). The total combines balances at different dates; it is not a balance available on one date. Reinvestment rates, early withdrawals, taxes and penalties are not assumed.
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ToolOctopus. “CD ladder calculator.” Updated 2026-09-26. https://tooloctopus.com/cd-ladder-calculator.
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