CD Calculator
Result
CD Calculator Calculate the maturity value and total interest earned on a Certificate of Deposit (CD) with compound interest. — free online calculator.
Formula
- Certificate of deposit growth calculator. The page applies the stated mathematical relationship and provides a worked example; finance examples are educational estimates, not individualized advice.
- The main inputs are Principal, Annual interest rate, Years, Compounds per year. Enter them in the units and format shown in the calculator.
- Use monetary amounts, rates and time periods exactly as labeled; the result reflects the assumptions entered on this page.
- Changing any input above recalculates the result with the same calculation engine used by this page.
Example: CD
- Principal: 10000
- Annual interest rate: 5 %
- Years: 10
- Compounds per year: 12
5,000 at 4% compounded monthly for 2 years grows to about 5,415.71 before taxes or penalties.
Sample result: Calculating…
Frequently asked questions
What does the CD calculate?
Actual CD terms may use different compounding, day-count rules, fees, or early-withdrawal penalties.
Which values should I enter?
Enter Principal, Annual interest rate, Years, Compounds per year using the units and format shown beside each field.
What formula does this calculator use?
The calculator uses the following relationship: A = P(1 + r/n)^(nt).
Why might my result differ from another source?
Results can differ when another source uses different units, rounding rules, conventions or assumptions. Compare the inputs and definitions before comparing results.
Does the result update automatically?
Yes. Changing an input updates the result using the same calculation engine shown on this page.