Certificate of Deposit Calculator

Calculate returns on CD investments with different terms.

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

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Build v1.0.0.305714 • Sep 19, 2025, 02:15 PM EDT

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