Free Financial Calculator
CD Ladder Calculator
Estimate staggered allocations, maturity dates, rates, and projected values for a certificate-of-deposit ladder.
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Complete the fields and select Calculate to view the estimate.
How This Calculator Works
The calculator divides the investment equally, spaces maturities between the selected minimum and maximum terms, interpolates the entered rate range, and estimates each maturity value using periodic compounding.
Frequently Asked Questions
What is a CD ladder?
A group of CDs with staggered maturity dates intended to create recurring access to part of the deposit.
Does this include early withdrawal penalties?
No. Review each institution’s terms before opening or closing a CD.
Are the rates live?
No. Enter current rates from the institutions you are comparing.