CD Ladder Calculator

How to use this tool

Enter total amount, number of rungs, shortest term, base APY, and APY step between rungs. Optionally set a reinvestment horizon in years and early-withdrawal penalty months.

Worked example

A $50,000 five-rung ladder starting at 12 months / 4% APY with 0.25% steps shows per-rung interest and a blended yield. Over a 10-year horizon with rolling reinvestment, ending value exceeds one cycle; a 3-month early-withdrawal penalty estimates interest forfeited if you break the ladder.

How it works

Splits capital into equal CD rungs with stepped terms and APYs, reporting interest per rung and a blended APY. Optionally rolls each rung’s principal and interest over a multi-year horizon and estimates an early-withdrawal penalty as months of interest forfeited.

Limitations

Estimates only for educational purposes. Not financial, tax, or legal advice. Verify figures with your lender, advisor, or official IRS/SSA sources before making decisions.

Privacy and file handling

Your data stays on your device and is not uploaded.

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