CD Calculator
Ihe n'ime ihenhọrọ na-emechi na n'ụdị na-emechi na-emechi.
Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.
N'ihe banyere calculator a
A certificate of deposit (CD) pays a fixed interest rate in exchange for locking your money away for a set term. This calculator compounds your deposit at the stated rate and frequency to show the value at maturity, the total interest earned, the effective annual yield (APY), and — if you enter a tax rate — the interest you keep after tax.
The maturity value is deposit × (1 + rate ÷ n)^(n × years), where n is how often it compounds. For example, 10,000 in a 5-year CD at 4.5% compounded monthly grows to about 12,518, so you earn roughly 2,518 in interest, and the effective yield works out to about 4.59% APY — a little above the 4.5% nominal rate because of monthly compounding.
Use it to compare CD offers, to see how term length and compounding change the payoff, or to check whether a CD beats a high-yield savings account once you account for the lock-up. Remember CD interest is normally taxable each year, and cashing out early usually triggers an interest penalty that this calculator does not deduct.
Ajụjụ ndị a na-ajụkarị
Olee otú CD n'ụdị ego a na-ehazi?
N'ime ndebanye n'ime oge ọbụla: oge mmezi = ndebanye × (1 + uru ÷ n) ^(n × afọ), ebe n bụ oge mmezi. N'ime ego a na-enweta bụ oge mmezi uru na-ewepụ gị n'ime ndebanye mbụ.
Ndewòọ̀là m ga-ekpe CD site na APR mọọbụ APY?
Tụnyere site na APY, n'ihi na ọ na-akpụzi n'ime ọnụọgụgụ compounding na-egosi ihe ị na-enweta n'afọ. CD abụọ na APR dị ka ma ọ bụ dị iche iche compounding ga-enwe APYs dị iche iche.
Ọ bụ CD ego na-akwụ ụgwọ?
Ya. N'ụdị ọbụla, CD nwere ike ịnabata ụgwọ dịka ego na-abịa n'afọ ọ na-ewere, ọbụla ma ị gaghị akwụ ya ụgwọ. Tinye ego gị iji hụ mgbe-ụgwọ ụgwọ, nke bụ ọnụọgụgụ nke dị mkpa maka ịtụle CD na-anabata ụgwọ na akaụntụ na-anabata ụgwọ.
Gịnị ga-eme ma m wepụ CD n'oge?
CDs kasị ọtụtụ na-akwụ a oge-n'ihi na-ewepụ penalti, mgbe ụfọdụ ọtụtụ ọnwa nke uru, nke nwere ike wepụ ọtụtụ nke gị uru ma ọ bụ ọbụna dip na principal. Nke a calculator na-atụ anya ị na-echekwa ka maturity, ya mere wepu ọ bụla penalti gị ma ọ bụrụ na ị nwere ike na-akwụ ụgwọ oge mbụ.
Ọ bụrụ na CD ogologo oge na-eweta ihe karịrị nke ahụ?
A ogologo oge na-enweta karịa zuru ezu interest na a na-enye ọnụego na mgbe ụfọdụ na-eburu a elu ọnụego, ma ọ na-kwa kpuchie gị ego elu ogologo na-egosi gị na-ahapụ n'ime ma ọ bụrụ na ọnụego na-arịgo. Some savers iji a CD ladder - staggered maturities - ka ịdị n'otu yield na access.
Olee otú CD si dị iche na akaụntụ ego?
A CD na-akwụ ụgwọ a elu, fixed ọnụego na-emeri maka na-egbochi ego n'ebe ugwu maka oge, ebe a n'ihi na-akwụ ụgwọ a ego ego ị nwere ike ịkwụghachi mgbe ọ bụla. Ọ bụrụ na ị ga-adịghị mkpa na ego tupu maturity, CD's elu-echebe APY mgbe ụfọdụ na-agba.
API — jiri kaadị a site na kóòdù
Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →
Ebemkpofuozi
GET https://calculator.free/api/v1/cd/curl
curl "https://calculator.free/api/v1/cd/?deposit=10000&rate=4.5&years=5"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/cd/?" + new URLSearchParams({
"deposit": "10000",
"rate": "4.5",
"years": "5"
}));
const data = await r.json();
console.log(data.results);Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.