CD ladder calculator
Split your cash across four certificates of deposit (CDs) and see when each one pays out.
Your estimate
- Total estimated interest
- $534.49
View maturity schedule
| Term (months) | Deposit | At maturity |
|---|---|---|
| 6 | $2,500.00 | $2,543.37 |
| 12 | $2,500.00 | $2,600.00 |
| 18 | $2,500.00 | $2,661.06 |
| 24 | $2,500.00 | $2,730.06 |
Splits the deposit as evenly as cents allow. Payouts arrive at different times and assume no reinvestment, early withdrawals, taxes, or fees.
How the four maturities work
Worked example
Split $10,000 across 6-, 12-, 18-, and 24-month CDs at 3.50%, 4.00%, 4.25%, and 4.50% APY. The payouts add up to $10,534.49 across the four maturity dates.
Each share grows at its own APY for its term. The schedule shows the deposit and payout at each maturity so you can see how much comes due and when.
Sources
Related calculators
How to read the CD maturity schedule
Match each payout to when you’ll need cash
The calculator splits your deposit across four CDs. Each row shows the portion you put in and what it could pay at the end of its own term. If you have an expense in six months, check the six-month payout. The total combines money coming back on four different dates.
The schedule measures months from opening. Use the institution’s actual maturity dates when planning around a bill or purchase.
Decide whether to take the cash or start a new term
When a CD matures, you can use the proceeds or put them into another CD. This estimate stops at each original maturity, so it leaves future rates and renewals out of the total. Check whether each CD renews automatically and how long you have to make a change.