Calculate certificate of deposit maturity value, interest earned, APY vs APR, and early withdrawal impact with an exportable schedule.
Maturity ValueAPY vs APRPenalty ImpactInterest Schedule
Certificate of Deposit Interest & Yield Estimator
Model CD growth with compounding, optional add-on deposits, and early withdrawal penalty estimates.
Maturity Value
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Total Interest
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APY
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After-Tax Interest
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Maturity Date
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Early Withdrawal Value
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Penalty Amount
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Effective Return If Early
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Early withdrawal estimates use a common method: penalty equals a number of months of simple interest based on APR. Bank rules vary and may use different day counts, rounding, or allow partial withdrawals.
Ending Balance
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Total Deposits
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Total Interest
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APY
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Maturity Date
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Add-on CDs are not universal. If your CD does not permit additional deposits, use the Maturity Value tab for a standard fixed deposit estimate.
Equivalent APR
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Equivalent APY
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Effective Term Yield
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Growth on 1 Unit
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APY assumes compounding over one year. For terms shorter than a year, the effective term yield shows the expected percentage gain for that term at the chosen compounding frequency.
Period
Date
Beginning Balance
Deposit
Interest
Ending Balance
The schedule estimates interest per period using your selected compounding assumption. Banks may credit interest using daily accrual with specific day-count conventions.
