Calculatrice de Certificat de Dépôt

Projette tes gains de CD en fonction du montant du dépôt, du taux d'intérêt et de la durée — compare différentes périodes de blocage.

Initial deposit

Annual rate

Term length

Compounding

Interest earned$0.00

Effective APY0.000%

Early withdrawal

Withdraw after (months)

Penalty

Penalty type

Value at withdrawal$0.00

Penalty amount$0.00

Net received$0.00

Opportunity cost$0.00

Maturity value

$ 0

12 months at 3.5%

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Industry use cases

Retiree Income Ladder A retired teacher creates a CD ladder to generate predictable monthly retirement income from accumulated savings.

Home Down Payment A first-time homebuyer calculates CD maturity to ensure sufficient funds for a down payment by their target purchase date.

Education Expense Planning A parent schedules CDs to mature before each of their child's college enrollment years to cover tuition.

Small Business Cash Reserve A restaurant owner sets aside operating capital in CDs with variable terms to maintain emergency funds while earning interest.

Frequently asked questions

What is a certificate of deposit?

A certificate of deposit (CD) is a savings account where you deposit money for a fixed period and earn a guaranteed interest rate in exchange for not withdrawing early.

What's a good CD interest rate?

Good CD rates depend on current market conditions and your bank. Compare rates across institutions to ensure you're getting competitive terms for your preferred term length.

What happens if I withdraw from a CD early?

Early withdrawal typically results in a penalty that reduces your earnings, such as forfeited interest or a percentage of principal. The penalty amount varies by bank and CD terms.

How is interest calculated on a CD?

CD interest is calculated using your principal, annual interest rate, term length, and compounding frequency. More frequent compounding results in slightly higher total earnings at maturity.

Does CD interest compound?

Yes, most CDs compound interest daily, monthly, quarterly, or annually depending on the bank. The compounding frequency affects your total earnings and effective APY.

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