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CD Ladder Calculator

Build a CD ladder: see what each rung earns and when your money comes free.

$
Rates
%

The rate your bank pays on the first rung's term.

%

Rungs in between get a rate on a straight line between these two.

Fill in the form and press Calculate to see your result.

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How this is calculated

Splits the amount evenly across the CDs, which mature one after another at the spacing you choose. Each CD's APY is read off a straight line between the shortest and longest CD's APY you enter; each grows at its APY until it matures. With reinvesting, each CD rolls once into a new longest-term CD at today's longest-term APY.

Sources

Estimates for planning, not professional advice. What changed and when →

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