Finance

CD Maturity Calculator

Calculate projected CD maturity value from principal, APY, term length, and optional interest withdrawals.

Estimate how much a certificate of deposit could be worth at maturity using the advertised APY and term. APY already reflects compounding over one year.

The estimate assumes the APY remains fixed and all interest stays in the account. Early withdrawal, interest payouts, taxes, fees, or a callable feature can change the result.

Frequently asked questions

Does this use APY or the nominal rate?

It uses APY, which already includes the effect of compounding over a year.

What if interest is paid out monthly?

The estimate assumes interest remains deposited. Regular payouts can reduce the maturity value.

Is an early-withdrawal penalty included?

No. Review the bank or credit union's penalty schedule before committing funds.