Split one deposit across 2–8 CD rungs, enter an APY for each maturity, and compare staggered maturity dates, interest, and deposit-weighted APY locally.
Enter each rung's APY yourself. This calculator does not fetch current rates, recommend institutions, model early-withdrawal penalties, or assume that future renewal rates will equal today's rates.
Start with the broad calculator that matches the decision, then move to a specialist only when the loan structure, cash flow, tax treatment, debt strategy or savings goal genuinely changes.
Choose total principal, number of rungs, first maturity and spacing. Enter a separate APY for each rung to compare an equal-principal staggered-maturity illustration.
A CD ladder can involve future reinvestment decisions, but this page does not assume future renewal rates or recommend how much money to lock up. It models only the initial rungs and user-entered rates.
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