Financial

CD Calculator

Certificate of deposit maturity value from APY and term.

Deposit

APY (%)

Term (months)

Maturity value

$11,046.01

Interest earned$1,046.01

Method

How it works

Value = Deposit · (1 + APY)^(months/12)

Certificates of Deposit lock funds for a fixed term at a guaranteed APY. Early withdrawal usually forfeits several months of interest.

FAQ

Are CDs safe?

Yes — FDIC insured up to $250,000 per depositor per bank. The risk is inflation eroding purchasing power over long terms.

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