CD Calculator
Certificate of deposit maturity value.
Enter your values
Results update instantly as you type — no submit needed.
Results
- Value at maturity
- $10,448.98
- Interest earned
- $448.98
- Effective APY
- 4.49%
- Monthly equivalent interest
- $37.42
Quick answer
A CD pays a fixed rate for a fixed term; the maturity value depends on the APY and how often interest compounds.
Value = P × (1 + r/n)^(n×t)
How to use the CD Calculator
- 1Enter your deposit amount.
- 2Enter the CD rate and term in months.
- 3Select the compounding frequency.
Frequently asked questions
Can I withdraw early?
Yes, but you normally forfeit 3–12 months of interest as a penalty.
Is CD interest taxable?
Yes, it is taxed as ordinary income in the year it is credited.