CD Ladder Calculator
Build a CD ladder for staggered maturities and projected total returns.
Inputs
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
View all savings →Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated January 1970