Savings
CD Ladder Calculator
Split a total deposit across CD rungs of different terms and APYs. See when each rung matures, the interest each one earns, and your blended yield.
$
5 rungs · $5,000 per rung
Term (months)
APY %
Blended APY
4.58%
Weighted by principal per rung
Total interest at maturity
$2,029
Total at final maturity
$27,029
Principal + interest across all rungs
Interest earned per rung
How much each rung earns by maturity, based on its term and APY.
Maturity schedule
| Rung | Matures | APY | Principal | Interest | Maturity value |
|---|---|---|---|---|---|
| #1 · 3 mo | Nov 2026 | 4.50% | $5,000 | $55 | $5,055 |
| #2 · 6 mo | Feb 2027 | 4.70% | $5,000 | $116 | $5,116 |
| #3 · 12 mo | Aug 2027 | 4.90% | $5,000 | $245 | $5,245 |
| #4 · 24 mo | Aug 2028 | 4.60% | $5,000 | $471 | $5,471 |
| #5 · 60 mo | Aug 2031 | 4.20% | $5,000 | $1,142 | $6,142 |
Methodology & how to use this
How a ladder works
Split your deposit evenly across rungs with staggered maturities. As each rung matures, you roll it into a fresh long-term CD at the current rate. That keeps a chunk of your cash liquid every few months while capturing longer-term yields on the rest.
The math
Each rung's maturity value is principal × (1 + APY)^years. Blended APY is the principal-weighted average across rungs. This assumes CDs are held to maturity — early withdrawal penalties are not modeled.
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