CD Interest Calculator
Accurate CD modeling — APY, compounding frequency, taxes & FDIC
Initial Deposit ($)
Annual Rate (%)
APY
Nominal APR
Term (Months)
Compounding Frequency
Daily (365/yr)
Monthly (12/yr)
Quarterly (4/yr)
Semi-annually (2/yr)
Annually (1/yr)
At Maturity (simple)
Interest Payout
Reinvested (compounds)
Paid out monthly (no compounding on interest)
Marginal Tax Rate (%)
Calculate Returns
Monthly Interest
Balance Over Time
After-Tax Interest
Month-by-Month Breakdown