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CD (certificate of deposit) calculator
What a CD will be worth at maturity, the interest you earn and the effective yield (APY), with optional tax.
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About CD (certificate of deposit) calculator
Shows what a certificate of deposit is worth at maturity, the interest earned and the effective yield (APY), with optional tax. APY includes compounding, so a 4.9 percent rate compounded monthly yields slightly more. Compare CDs by APY, not the quoted rate.
How to use CD (certificate of deposit) calculator
- Enter your numbers above.
- The result updates instantly as you type.
- Change any value to compare different cases.
Why use this tool?
- Private: everything happens in your browser. Nothing you enter is uploaded.
- Free, with no sign-up, no watermark and no limit on how often you use it.
- Works on phones, tablets and computers: Android, iPhone, Windows, Mac and Linux. Nothing to install.
- Available in 10 languages.
Also known as
Frequently asked questions
What is the difference between APY and interest rate?
The interest rate is the stated annual figure, while APY includes the effect of compounding within the year. APY is the fair number for comparing accounts.
Is CD (certificate of deposit) calculator free?
Yes. CD (certificate of deposit) calculator on Toolipedia is free to use, with no sign-up and no watermark.
Is it safe to use?
Yes. Everything is worked out in your browser, and nothing you enter is sent to our server.
Does it work on my phone?
Yes. It works in any modern browser on Android and iPhone, as well as on tablets and computers. There's nothing to install.
Do I need an account?
No. Just open the page and use the tool. There's no sign-up and no email needed.