CD Ladder Calculator

Evaluate the benefits of investing in CDs with different maturities (CD ladder).

  • Methods explained
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Ladder Setup

$
5 CDs
12 months
%
Rates as of Dec 11, 2025

Ladder Summary

Amount per CD$5,000
Total Interest Earned$4,109
Total Value at Maturity$29,109
Average Maturity36

Cash Flow by CD

Current CD Yield Curve

APY by term length as of Dec 11, 2025

CD Ladder Schedule

CD #1Matures in 12 months
$5,256
+$256 interest
CD #2Matures in 24 months
$5,525
+$525 interest
CD #3Matures in 36 months
$5,807
+$807 interest
CD #4Matures in 48 months
$6,104
+$1,104 interest
CD #5Matures in 60 months
$6,417
+$1,417 interest
How it works›

One rate. Equal deposits earn the same entered nominal rate with monthly compounding through their first maturities. The current-rate button converts its quoted APY to a nominal rate; the curve is context, not a separate quote for each rung. No rollovers, taxes or penalties are modeled.