💰 CD Calculator

Calculate Certificate of Deposit returns with inflation adjustment, early withdrawal penalties, and comprehensive growth analysis.

📤 Document Auto-Fill 📊 Inflation Adjusted ⚠️ Penalty Calculator 📈 Live Rates

📤 Upload CD Statement to Auto-Fill

Bank CD statements, brokerage statements, or CSV exports

📤

Drop your PDF or CSV here or click to browse

Supported: Bank of America, Chase, Ally Bank, Marcus by Goldman Sachs, or any CSV with CD details

📊 CD Details

Elite

Initial Deposit

Annual Percentage Yield (APY)

CD Term

Compounding Frequency

Expected Inflation Rate

For inflation-adjusted returns

Early Withdrawal Penalty

months

Typical penalty period

Quick Estimate

$10,512.50

at maturity

📚 Popular CD Scenarios

💡 About CDs

Certificate of Deposit (CD): A time deposit with a fixed interest rate and maturity date. CDs typically offer higher rates than savings accounts in exchange for locking up your money.

CD Laddering: A strategy where you divide your money across multiple CDs with different maturity dates (e.g., 1-yr, 2-yr, 3-yr, 4-yr, 5-yr). As each CD matures, you can reinvest at current rates or access the funds. This provides both higher average returns and liquidity.

Inflation Impact: While CDs are safe, inflation can erode real returns. This calculator shows both nominal and inflation-adjusted values. When inflation exceeds your APY, you're losing purchasing power!

Early Withdrawal: Most CDs penalize early withdrawal, typically 3-6 months of interest.

⚠️ Please enter valid values for all fields.

🏆 Your CD Returns

Results

Your projected CD returns based on the inputs on the left.

MATURED VALUE

$10,512.50

at the end of your CD term

Total Interest

$512.50

Effective Annual Rate

5.12%

Real Interest (Adj.)

$262.50

Early Withdrawal Penalty

$128.13

📈 CD Growth Over Time

Period	Interest Earned	Balance