CD Ladder Return Calculator
Build a CD ladder with several equal deposits spread across different maturities to estimate total interest earned and your effective blended annual return.
Total Interest Earned
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About this calculator
Model a certificate of deposit (CD) ladder across multiple rungs and terms to estimate total interest earned and blended annual yield.
Frequently Asked Questions
What is a CD ladder?
A CD ladder splits your money across multiple certificates of deposit with staggered maturity dates, giving you periodic access to cash while capturing potentially higher rates on longer terms.
Does this account for compounding?
Yes, each rung's interest is compounded annually over its own term length based on the average rate you enter.
Why do longer rungs earn more?
Longer terms compound for more years and often carry higher rates, so later rungs in the ladder typically contribute more total interest.