justyourcalculatorCD Calculator
Find a CD's value at maturity, its APY and after-tax interest.
- 100% Free
- Instant Results
- No Sign Up
CD Calculator
What a certificate of deposit earns by maturity
Value at maturity
$10,939.90
- Interest earned
- $939.90
- APY
- 4.594%
- Term
- 2 years
Assumes interest stays in the CD until maturity. Withdrawing early usually costs a penalty of several months of interest.
- Deposit$10,000
- Interest after tax$939.90
| Year | Interest | Balance |
|---|---|---|
| 1 | $459.40 | $10,459.40 |
| 2 | $480.50 | $10,939.90 |
More Financial Calculators
View all calculators- Savings CalculatorHow your savings grow with deposits and interest
- Compound Interest CalculatorGrow a balance, or convert between compounding periods
- Interest CalculatorInterest earned with deposits, tax and inflation
- Bond CalculatorBond price from yield, or yield to maturity from price
- Mortgage CalculatorMonthly payment with taxes, insurance and PMI
- Loan CalculatorPayments for amortized, deferred and bond-type loans
- Auto Loan CalculatorCar payment with tax, fees, trade-in and rebates
- Retirement CalculatorHow much you need, how to save and what you can spend
- Income Tax CalculatorYour 2026 US federal income tax, refund or amount owed
- Calculators
- 204+
- Free to use
- 100%
- Results as you type
- Instant
How the cd calculator works
A CD pays a fixed rate for a fixed term. Interest compounds at the frequency the bank uses, so the balance at maturity is deposit × (1 + r/n)^(n × years). The APY is the yearly growth that includes compounding, which lets you compare CDs fairly.
CD interest is taxed as ordinary income in the year it's credited, even if you leave it in the CD. Enter your tax rate to see what you keep.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
Share links may contain your input values. Anyone with the URL can read them; avoid sharing sensitive personal or financial information.