Use this free CD calculator to estimate maturity value, interest earned, early withdrawal penalty, and value after penalty from deposit amount, APY, term, and penalty months.
$10,000 at 4.25% APY for 12 months
Bank CD disclosures control the actual APY, compounding, maturity date, renewal, and early withdrawal penalty.
Estimate CD value at maturity from deposit, APY, and term.
Compare term lengths with the same deposit amount.
Estimate the effect of an early withdrawal penalty.
Check a CD offer before reading the full bank disclosure.
Maturity value and interest
Short-term CD estimate
Longer-term maturity estimate
Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it for early planning and side-by-side comparisons, especially for tasks like these: Estimate CD value at maturity from deposit, APY, and term. Compare term lengths with the same deposit amount. Treat the answer as a planning estimate, not a final quote.
In plain language: The calculator applies APY growth over the CD term, estimates interest earned, and subtracts a manual early withdrawal penalty measured in months of interest. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.
This is not a bank disclosure. It does not include exact daily compounding, renewal rules, grace periods, brokered CDs, minimum balances, or bank-specific early withdrawal terms. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.