CD Return Calculator

Calculate how APY (Annual Percentage Yield) affects your CD returns.

  • Methods explained
  • Save scenarios
  • Compare saved scenarios

CD Details

%
$
%
12 months

CD Returns

Estimated Tax on Interest$0
After-Tax Maturity Value$10,500
Maturity Value$10,500
Total Interest Earned$500
Average Monthly Interest$42

With a 5.00% APY, your $10,000 will earn $500 over 12 months.

How it works›

Rate convention. APY already includes compounding. A nominal quote is converted using the selected frequency. Fractional-year growth assumes interest stays in the account until maturity.

Tax and institution. The entered tax rate applies to all interest at maturity; annual tax payments and early-withdrawal penalties are excluded. Bank and credit union modes use identical growth math; account terms determine actual returns.