CD Calculator
Calculate how much your Certificate of Deposit earns. Top CDs currently offer 4.5–5.2% APY compounded daily or monthly.
💡 Tip: CDs lock your money for the term — set the time period to your CD term (e.g., 0.5 years = 6-month CD). Enter the APY as your annual rate.
Calculator Inputs
$
%
$
Additional amount added each month
Final Balance
$20,097
Total Interest Earned
$10,097
Initial Principal
$10,000
Growth Over Time
Year-by-Year Breakdown
| Year | Balance | Interest Earned |
|---|---|---|
| Year 1 | $10,723 | $723 |
| Year 2 | $11,498 | $1,498 |
| Year 3 | $12,329 | $2,329 |
| Year 4 | $13,221 | $3,221 |
| Year 5 | $14,176 | $4,176 |
| Year 6 | $15,201 | $5,201 |
| Year 7 | $16,300 | $6,300 |
| Year 8 | $17,478 | $7,478 |
| Year 9 | $18,742 | $8,742 |
| Year 10 | $20,097 | $10,097 |