CD Calculator
Calculate interest earned on a certificate of deposit for any term, compounding schedule and rate.
Your numbers
- Interest earned
- $1,151
- APY
- 4.6%
How the cd calculator works
Ending balance = deposit × (1 + r/n)^(n·t). APY = (1 + r/n)^n − 1.
Example
Using the default inputs (Deposit: $25,000; Interest rate (APR): 4.5%; Term (months): 12; Compounding: Daily), the calculator returns ending balance of $26,151. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
Are CDs FDIC insured?
Yes, up to $250,000 per depositor per bank per ownership category.
What if I withdraw early?
Most CDs charge a penalty, often several months of interest.
Related savings & investing calculators
All Savings & Investing →Investment Return (CAGR)
Annualized return between two values
Savings & InvestingDividend Reinvestment (DRIP)
Value with and without reinvested dividends
Savings & InvestingDollar-Cost Averaging
Steady investing versus a lump sum
Savings & InvestingStock Profit
Net gain after fees and taxes
Savings & InvestingInflation
Future prices and shrinking purchasing power
Savings & InvestingRule of 72
How long to double your money
Learn more
More Savings & Investing guides →High-Yield Savings Accounts vs CDs
Compare high-yield savings accounts and certificates of deposit on rates, flexibility, FDIC insurance and best uses.
Savings & InvestingThe Power of Compound Interest
See how compound interest turns small, consistent savings into large sums over time, with examples that show the…
Savings & InvestingIndex Funds for Beginners
Learn what index funds are, why they are popular, how they differ from active funds and how to start investing in one.
Savings & InvestingHow Inflation Erodes Savings and What You Can Do About It
Understand how inflation reduces purchasing power and which assets and strategies have historically helped protect…
Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.