Investing

CD ladder calculator

Calculate your earnings and more

Use this CD ladder calculator to examine the benefits of investing in a series of certificates of deposits with different maturities, also called a CD ladder. With a CD Ladder, the investor benefits from higher interest rates for longer maturities, while achieving better liquidity, rather than investing in a single long-term CD.

This calculator requires a Java-enabled browser. To download the plugin, click here.

Investing

This Financial Calculator requires SUN's Java� Plug-in. If you see this message you will need to download SUN's Java� Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing �Install ActiveX Control�.

Get the Java� Plug-in!

For more information about this Plug-in please visit: SUN's Java� Plug-in
For more information these financial calculators please visit: Financial Calculators from KJE Computer Solutions, LLC

Definitions

Total to invest: This is the total amount to invest in your CD Ladder.
Frequency of Maturing CDs: How often you would like to have a CD maturing. For example, if you choose six months, one of your CDs in your CD ladder will mature every six months.
Amount in each CD: How much you wish to invest in each CD in your ladder. We use this amount to calculate the number of CDs in the ladder. If the amount that you enter isn't evenly divisible by the total you wish to put into your CD Ladder, we will automatically adjust it up to an evenly divisible amount.
CDs in your Ladder: The number of CDs that will be in your CD ladder. Each CD will have a different maturity, so that one of your CDs will mature at the frequency you specify. This calculator assumes that you redeposit all matured CDs into new CDs that have a term of the longest maturity in your original CD ladder.
Interest is compounded: Interest earned on your CD's accumulated interest. This calculator allows you to choose the frequency that your CD's interest income is added to your account. The more frequently this occurs, the sooner your accumulated interest income will generate additional interest. You may wish to check with your local office to find out how often interest is being compounded on your particular CD.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Compare MMA Rates

MMA average
0.45%

About our rates

About this index

Credit Card Averages

Product	Rate
Balance Transfer Cards	15.92%
Cash Back Cards	16.34%
Low Interest Cards	11.01%
Rewards Cards	15.80%

Compare rates:

Partner Center

Bankrate's Free Content Center

Click here to visit the content center.


	Bankrate is now on Facebook^® Get alerted when rates change Subscribe: RSS Feeds Daily newsletters full of $$ tips

Advertising Disclosure: Bankrate.com is an independent, advertising-supported comparison service. Bankrate may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.