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CD Laddering Calculator to Calculate a Certificate of Deposit Ladder

Calculator Preferences
Certificate of Deposit Laddering Calculator Sign
Certificate of Deposit Laddering Calculator

This calculator will calculate and create a CD ladder based on the amount of funds you have available for CD investing and on the length of time you are comfortable with not having access to your cash. Results include a text summary, a CD purchase schedule, and a printer friendly report button. The Learn tab includes brief answers to:

  • What is a CD ladder?
  • How does a CD ladder work?
  • Why should I consider building one?
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Funds avail:Funds available:Funds available for CD investing:Total funds available for CD investing:

Total funds available for CD investing:

Enter the total dollar amount of the funds you currently have available for CD investing. Enter as a dollar amount but without the dollar sign or any commas.

Min deposit:Minimum deposit:Minimum deposit requirement:Minimum deposit requirement:

Minimum deposit requirement:

If you would like the CD Laddering Calculator to account for minimum deposit requirements, enter the minimum dollar amount. Otherwise enter zero or leave blank. Enter as a dollar amount but without the dollar sign or any commas.

Max mature:Max maturities:Maximum wait between maturities:Longest your are willing to wait between maturities:

Longest your are willing to wait between maturities

Select the longest number of months you would be comfortable not having access to any of your cash tied up in CDs. Note that the selections available (3, 6, and 12 months) are those that will accommodate building a CD ladder using the most common CD terms.

Compound:Compounding:Compounding interval:Compounding interval:

Compounding interval:

Select the compounding interval that applies to the certificates of deposit. Typically, the more frequent the compounding, the more interest you will earn in the same amount of time. If compounding varies from one CD term to the next, it is usually best to select the longest compounding interval (annual).

CD Interest RatesCD Interest RatesCertificate of Deposit Interest RatesCertificate of Deposit Interest Rates
Edit Interest Rates:

Change the default APR (Annual Percentage Rate) for each Term as you see fit. Enter each as a percentage, but without the percent sign.


Certificate of Deposit Interest Rates:

Expand the description in this row to to view and edit the default interest rates for each of the 10 CD maturities.

Edit Interest Rates:

Change the default APR (Annual Percentage Rate) for each Term as you see fit. Enter each as a percentage, but without the percent sign.

# CDs:# ladder CDs:Number of CDs in ladder:Number of CDs in ladder:

Number of CDs in ladder:

Based on the amount you have available for CD investing, the minimum deposit requirement, and the longest you are willing to wait between maturities, this is the number of CDs that will be included in your ladder.

Amt per CD:Amount per CD:Amount of each certificate of deposit:Amount of each certificate of deposit:

Amount of each certificate of deposit:

This is the amount you will put into to each of the CDs in your ladder. To arrive at this amount, the CD laddering calculator divides the amount you have available for CD investing by the number of CDs in your ladder.

FV without:FV without ladder:Future value without CD ladder:Future value without CD ladder:

Future value without CD ladder:

If you were to invest the total amount available for CD investing in a single CD, at the longest term you are willing to wait for maturity, this is the future value of that CD for the same time frame as the length of your CD ladder.

FV with:FV with ladder:Future value with CD ladder:Future value with CD ladder:

Future value with CD ladder:

This is the future value of your CD ladder as of the maturity of the longest term CD.

Addtl int:Additional int:Additional interest earned with ladder:Additional interest earned with CD laddering:

Additional interest earned with CD laddering:

This is the additional interest you could earn by building a CD ladder as opposed to investing all funds in a single, shorter term CD.

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated


Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.



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Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.