Certificate of Deposit Calculator

Project your CD earnings based on deposit amount, interest rate, and term length — compare different lock-in periods.

CD Details

Initial Deposit

Annual Interest Rate (%)

CD Term

Compounding Frequency

Calculate Early Withdrawal

Withdrawal After (Months)

Early Withdrawal Penalty

Certificates of Deposit offer guaranteed returns in exchange for locking up your money for a fixed term.

Early withdrawal typically results in penalties that reduce your earnings.

Maturity Value

Interest Earned

Effective APY

Initial Deposit:

Interest Rate:

Term:

Compounding:

Value at withdrawal:

Penalty amount:

Net amount received:

Opportunity cost:

Save your calculations and get detailed breakdowns