CD Ladder Calculator

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.

Build a CD ladderEqual principal per rung

Total deposit

Number of rungs

First maturity (months)

Spacing (months)

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.

Illustrative ladder—

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—Deposit per rung

—Total modeled interest at all maturities

—Deposit-weighted APY

—Longest maturity

Rung-by-rung scheduleEach rung starts today in this illustration

How to use this CD Ladder Calculator

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.

What this calculator does not assume

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.