CD savings
CD Calculator
Estimate certificate of deposit maturity value, interest earned, and the effect of early withdrawal penalties.
Maturity valuedeposit plus interest
Interest earnedby term and APY
Penalty viewearly withdrawal estimate
Estimated maturity value
$0
Interest earned$0
After-tax interest$0
Early withdrawal value$0
Penalty estimate$0
Enter CD terms to estimate maturity value and penalty impact.
CD projection
| Month | Interest | Balance | Early value |
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How this CD calculator works
The calculator compounds the deposit over the selected term using the annual rate and compounding frequency. Taxes are applied to estimated interest only when you enter a tax rate.
Early withdrawal value subtracts a simplified penalty based on months of interest. Actual CD penalties, renewal rules, APY disclosures, taxes, and bank terms can differ.