CD Ladder Calculator

Build a CD ladder for staggered maturities and projected total returns.

Inputs

$
%
Total value at maturity
$28,741.13
Interest: $3,741.13

How it works

Each rung is funded equally and grows for its respective term at its APY. Maturity proceeds can be reinvested to keep the ladder rolling.

Frequently asked questions

Where should I park savings?

Short-term goals: high-yield savings or short CDs. Long-term: a diversified portfolio.

How big should my emergency fund be?

Most planners suggest 3–6 months of essential expenses, more if income is variable.

What's APY?

Annual Percentage Yield — the rate including compounding. Always compare APYs, not APRs.

Are bank accounts safe?

FDIC-insured accounts are protected up to $250,000 per depositor per bank per ownership category.

Should I lock money in a CD?

Only if you don't need it during the term — early withdrawals carry penalties.

Related calculators

Savings Goal Calculator
Hit your savings goal on time.
Savings Compound Interest
Compound growth with monthly deposits.
Emergency Fund Calculator
How big your emergency fund should be.
CD Calculator
Final balance on a certificate of deposit.