CD Calculator
Calculate maturity kukosha uye kufarira pa chitupa chedepositi.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
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.
Zvimwe zvinobvunzwa zvakanyanya
Sei CD interest ino kalkulated?
Kuchengeta zvinoumba nguva dzose: maturity = kuchengeta × (1 + rate ÷ n) ^ (n × makore), uko n ndiro kuchengeta zvinoumba frequency. Interest inowana ndeyokuchengeta chikwereti chako chakatanga.
Ndinofanira kuenzanisa CDs ne APR kana APY?
Kuenzanisa ne APY, nekuti yapfuura folds mu compounding frequency uye inoratidzwa chii iwe chokwadi kubhadhara mugore. Two CDs ne APR chete asi zvakasiyana compounding vachawana zvishoma zvakasiyana APYs.
CD interest inobhadharwa mari here?
Ndinoda kuziva kuti ndinogona kubvisa mari yangu kubva kuCD yangu here? Ndinoda kuziva kuti ndinogona kubvisa mari yangu kubva kuCD yangu here? Ndinoda kuziva kuti ndinogona kubvisa mari yangu kubva kuCD yangu here? Ndinoda kuziva kuti ndinogona kubvisa mari yangu kubva kuCD yangu here?
Chii chinoitika kana ndichibvisa kubva paCD nguva yapfuura?
CDs vakawanda kubhadharisa a early-kubvisa mhosva, nguva dzose miviri miviri mwedzi mukurumbira, iyo inogona kubvisa zvakawanda zvenyu kubudirira kanawo dip mumutemo. Iyi calculator inofungidzira iwe kuchengeta kusvika maturo, saka kubvisa chero mhosva iwe pachako kana iwe unogona mari kunze nguva pfupi yadarika.
Ichi chinonzi CD chinopa mari yakawanda here?
A mwedzi mirefu anowana zvakawanda kuwanda mukurumbira panzvimbo yacho uye kazhinji anotakura pamusoro mutero, asiwo anovhundutsa mari yako kusvika kwenguva refu uye anokonzera iwe kushaya kana mari kukwira. Vamwe savers kushandisa CD ladder — staggered maturities — kuti kugadzikana mitengo uye kuwanikwa.
Sei CD ichienzaniswa neakachengeteka account?
CD inowanzopa mari yakakwira, yakavimbika, yekuti ugare uchichengeta mari yako kwenguva yakareba. Asi bhangi rinogona kukubatsira kuti ugare uchichengeta mari yako kwenguva yakareba. Kana iwe usingafanire kushandisa mari yako pakupera kwenguva, CD inowanzopa mari yakakwira, yakavimbika, yekuti ugare uchichengeta mari yako pakupera kwenguva.
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
Endpoint
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);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.