CD Ladder Calculator
Build a Certificate of Deposit ladder strategy to balance liquidity with higher yields on your savings.
Ladder Setup
$
Current CD Rates (APY)
%
%
%
%
%
%
Amount Per CD
$10,000
Average Yield
4.66%
Total Interest Earned
$7,255
Total value at maturity: $57,255
CD Ladder Schedule
| Rung | Term | Principal | Rate | At Maturity |
|---|---|---|---|---|
| 1 | 1 Year | $10,000 | 5.00% | $10,500 |
| 2 | 2 Year | $10,000 | 4.80% | $10,983 |
| 3 | 3 Year | $10,000 | 4.60% | $11,444 |
| 4 | 4 Year | $10,000 | 4.50% | $11,925 |
| 5 | 5 Year | $10,000 | 4.40% | $12,402 |
CD Ladder Benefits
- - Regular access to funds as CDs mature
- - Higher average yields than short-term CDs
- - Flexibility to reinvest or withdraw
- - Reduced interest rate risk