CD Ladder Calculator
A CD ladder splits your money across CDs with different terms so one matures every year. The calculator uses the FDIC national average APY for each term as a starting point — replace them with the rates you are quoted.
Free · runs in your browser · Checked 30 September 2026CD ladder
Move the sliders or type your own numbers. Results are estimates that assume a constant rate and are not guaranteed.
🧠 How this is calculated
The total is split equally across five CDs of 1 to 5 years. Each CD earns deposit × (1 + APY)^years; the calculator adds the interest from each rung.
Calculations run in your browser; nothing you enter is sent to us. Results are estimates that depend on the assumptions shown.
❓ FAQs
Why build a CD ladder?
You get access to part of your money each year and can reinvest at current rates, without locking everything in for the longest term.
Is this financial advice?
No. The calculator shows what happens under the numbers you enter. Rates, limits and tax rules change; confirm with the provider or a licensed professional.
Benchmark rates: FDIC national average savings rate 0.37% and 12-month CD 1.73% (effective September 21, 2026). Many online banks pay more; see Savings & CD rates.
Results are illustrations, not offers or advice. Investments can lose value; bank deposits are FDIC-insured up to $250,000 per depositor, per insured bank, per ownership category.