CD Calculator
Calculate your Certificate of Deposit returns instantly. Just enter your investment amount, interest rate, and term.
CD Investment Details
Start with the basics - you can add advanced options below
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About CDs
What is a Certificate of Deposit?
A CD is a time deposit with guaranteed interest rates, FDIC insured up to $250,000 per depositor.
Key Benefits
Fixed rates, guaranteed returns, and federal insurance protection make CDs low-risk investments.
Early Withdrawal
Withdrawing before maturity typically results in penalties of 3-6 months of interest.
Tax Considerations
Interest earned is taxable as ordinary income in the year it's received.