CD Calculator

Model a fixed-rate CD locally with APY/nominal-rate input, maturity value, interest earned, and a month-by-month balance table without fetching or recommending current bank rates.

CD assumptionsUser-entered rate · no rate feed

Deposit

Rate (%)

Term (months)

Rate is

Compounding frequency (only for nominal-rate input)

Enter the APY or nominal rate offered by the institution. WebToolArc does not fetch live CD rates or recommend a bank. Early-withdrawal penalties, taxes, renewal terms, and deposit-insurance eligibility are outside this math model.

Maturity value—

—

—Interest earned

—Effective APY

—Monthly-equivalent growth

—Total gain vs deposit

Month-by-month CD valueAssumes interest remains in the CD

How to use this CD Calculator

Enter the deposit, term, and the rate quoted by the institution. Choose APY when the quoted number is APY; choose nominal rate only when you also know the compounding frequency.

What this calculator does not assume

WebToolArc does not fetch or recommend current CD rates. The result excludes taxes, early-withdrawal penalties, renewal behavior, minimum-deposit rules, and institution-specific insurance eligibility.