CD Ladder Calculator

Split a deposit equally across five certificates with your own terms and APYs. Compare when each rung first matures and how much interest it earns.

Enter all amounts in one currency. Currency selection changes labels, not amounts or jurisdiction. No conversion is performed.

Range: 0–1,000,000,000
Range: 0–100
Range: 1–600; whole numbers
Range: 0–100
Range: 1–600; whole numbers
Range: 0–100
Range: 1–600; whole numbers
Range: 0–100
Range: 1–600; whole numbers
Range: 0–100
Range: 1–600; whole numbers

Enter your values to see an estimate. Enter 0 for amounts that do not apply.

How this calculator works

Each rung receives one fifth of the deposit. Its first maturity value uses deposit per rung × (1 + APY / 100) raised to months / 12. No renewal is assumed.

Worked example

A 10,000 deposit splits into five deposits of 2,000. A 12-month rung at 5% APY first matures at 2,100.

Assumptions and limits

The sum of maturity values combines amounts received on different dates, not the value of the whole ladder on one date. Terms use approximate months / 12 years. No reinvestment after maturity, tax, fee or early-withdrawal penalty is modeled.

How to choose your inputs

Choose five terms that match when you might need access to portions of the deposit, then enter an actual APY for each term. The calculator divides the deposit equally, so decide first whether equal-sized rungs fit your cash needs. Repeating a term creates two same-date maturities rather than an additional liquidity date.

How to interpret your result

Read each rung’s first maturity on its own timeline. The combined maturity total mixes different dates and is not a balance available all at once. Once a rung matures, holding cash and renewing are different next steps; neither a future renewal rate nor a continuing ladder return is supplied by this calculation.

Primary references

This educational estimate uses your inputs. It is not individualized financial, tax, insurance, or investment advice, a lender offer, approval decision, or a promise of future results.

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