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CD Savings Comparison Calculator to Compare Net-Effects of Unlike Terms

Calculator Preferences
CD Savings Comparison Calculator Sign
CD Savings Comparison Calculator

This calculator will calculate and compare the interest earnings and annual percentage yield on up to 4 different certificates of deposit having different rates, maturities, and/or compounding intervals. Results include a comparison chart and bar graph, along with a printer friendly report. The Learn tab includes:

  • When should you consider CD investing?
  • What investment advisors want you to believe.
  • Who should you listen to for investment advice?
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
Enter CD's to Compare

CD's to Compare:

For each CD you would like to compare, enter the deposit amount, the interest rate, and the number of months, and then select the number of compoundings per year (CPY).

Tap the column header links for more detailed instructions.

Once you have all CD terms entered, tap the Calculate CD Comparison button.


Deposit Amount:

Enter the deposit amount of each CD. Enter as a dollar amount, but without the dollar sign and any commas. Most certificates of deposit require a minimum deposit amount of $500 or more.


Annual Interest Rate:

Enter the annual interest rate (APR) of each CD. Enter as a percentage, but without the percent sign (for .02 or 2%, enter 2).


Number of Months:

Enter the number of months before each CD reaches its maturity date.


Compounding Per Year (CPY):

Select the compoundings per year that applies to each certificate of deposit. Typically, the more frequent the compounding, the more interest you will earn in a given amount of time.

Comparative Results

Comparative Results:

The chart below will compare the future value, interest earnings, average annual earnings, and annual percentage yield, for all CDs entered in the section above this one.

Tap the Terms option to view the entered terms for each CD.

Tap the Results option to change the chart back to the calculated results, which will include header links to view more detailed descriptions of each column.

#FVFVFuture ValueFuture ValueInterestInterestInterest EarningsInterest EarningsAvg/YrAvg/YrAvg / YearAverage Per YearAPY

Future Value:

Based on your entries, this how much each certificate of deposit will be worth when it reaches its maturity date.

Interest Earnings:

Based on your entries, this is the total amount of interest you will earn on each CD.

Average Earnings Per Year:

This is the average annual interest earnings for each CD. For CDs with maturities of less than one year, the calculator will assume you will reinvest the principal and interest at each maturity date.

Annual Percentage Yield (APY):

Given the number of months and interest rate, this is the annual percentage yield (APY) of each certificate of deposit.

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.

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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.



Add or remove this page to/from my favorites.

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.