Calculator
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Zachidule
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.
Mafunso ofunsidwa nthawi zambiri
Kodi CD interest imawerengedwa bwanji?
Depositi imaphatikizapo nthawi iliyonse: kumapeto kwa nthawi = depositi × (1 + mtengo ÷ n) ^ (n × zaka), komwe n ndi nthawi yokhala ndi depositi.
Kodi ndiyenera kuyerekezera CDs ndi APR kapena APY?
Kuyerekeza ndi APY, chifukwa cha izo kale amadula mu compounding nthawi zambiri ndi kusonyeza zimene inu mwamsanga kulandira mu chaka. Ma CD awiri ndi APR chimodzimodzi koma zosiyanasiyana compounding adzapeza pang'ono APYs zosiyana.
Kodi CD ndalama zimagulitsidwa?
Ndikofunika kuti mudziwe kuti ndalama zomwe mumapeza pa CD zimatha kugawidwa ngati ndalama zosawerengeka m’chaka chomwe chimaperekedwa, ngakhale kuti simuzitenga. Pitani patsamba lanu la Tax Rates kuti mudziwe ndalama zomwe mumapeza pambuyo pa kulipira ndalama, zomwe ndi ndalama zomwe zimafunika kuwerengedwa poyerekezera ndalama zomwe mumalandira pa CD ndi ndalama zomwe mumalandira pa akaunti yopezera ndalama.
Kodi chimachitika ngati nditaya ndalama za CD nthawi yaitali?
Ma CD ambiri amalipira ndalama zowononga ndalama zochotsera ndalama, nthawi zambiri masiku angapo ochuluka, zomwe zingawononge ndalama zambiri kapena kuwononga ndalama zanu. Chida ichi chikukhulupirira kuti mudzasunga ndalamazo mpaka nthawi yoti zikhale zochuluka, choncho mudzachotsa ndalamazo ngati mungathe kuzichotsa nthawi yoyamba.
Kodi nthawi yaitali CD nthawi zonse kulandira zambiri?
Mphindi yaitali amapeza zambiri zokhudzana ndi ndalama pa mtengo woperekedwa ndi nthawi zambiri amabweretsa mtengo wotsika, koma amaletsanso ndalama zanu nthawi yayitali komanso zimakupangitsani kulephera ngati mtengo ukukula. Ena osunga ndalama amagwiritsa ntchito CD ladder - zosiyanasiyana maturities - kuti agwirizane ndi phindu ndi kulowa.
Kodi CD imasiyana bwanji ndi akaunti yosungitsa ndalama?
CD nthawi zambiri imalipira mtengo wotsika kwambiri, wokhazikika, chifukwa choletsa ndalamazo kwa nthawi yoyenera, pomwe akaunti yopulumutsa imalipira mtengo wosiyanasiyana womwe mungagwiritse ntchito nthawi iliyonse. Ngati simudzafuna ndalamazo panthawi yoyenera, nthawi zambiri APY yotsika kwambiri yomwe CD imagarantira imapambana.
API — kugwiritsa ntchito izi calculator kuchokera code
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →
Chithunzi
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);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.