I-CD Calculator
Khangela ixabiso lokuphelelwa lixesha kunye nenzuzo kwisiqinisekiso sokubeka imali.
Iinketho ze projekti
Malunga nale Calculator
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.
Imibuzo ebuza rhoqo
I-CD ibala njani inzala?
Ityala lidibanisa ixesha ngalinye: ukugqitywa = ityala × (1 + umyinge ÷ n) ^ (n × iminyaka), apho n ngukuphindaphinda okudityanisiweyo. Inzuzo efunyenwe yixabiso lokugqitywa ngaphantsi kwetyala lakho lokuqala.
Ndimele ndithelekise ii CD nge APR okanye nge APY?
Uthelekiso lwe-APY, kuba sele ijikeleza kwixesha eliphindaphindiweyo lokudibanisa kwaye ibonisa oko ufumanayo kweli xesha. IiCD ezimbini ezine-APR efanayo kodwa ezidibanisayo ngokuhlukileyo ziya kuba ne-APYs ezihlukileyo.
Ingaba iCD ihlawulwe ngetyala?
Ewe. Inzuzo kwiCD ihlala ihlawulwe ngetyala njengengeniso eqhelekileyo kunyaka ohlawulwe ngawo, nokuba awuyirhoxi. Faka umyinge wenzala ongaphantsi ukuze ubone inzuzo emva kohlawula ityala, eyiyo inani elibalulekileyo ekuthelekeni i-CD ehlawulwe ngetyala neakhawunti exhaswa ngetyala.
Yintoni eyenza ukuba ndisuse iCD kamva?
IiCD ezininzi zihlawula umonakalo wokurhoxiswa kuqala, rhoqo iinyanga ezininzi zenzuzo, ezinokuthi zisuse inzuzo yakho okanye ziyifake kwisiseko. Le khadi licinga ukuba ugcina ukuya kunyaka ophelileyo, ngoko ke shiya umonakalo wakho ukuba ungaya kuphuma ngemali kuqala.
Ingaba ixesha elide le CD lisoloko lifumana ngaphezulu?
Ixesha elide lifumana inzala eninzi kakhulu kwinqanaba elinikezelweyo kwaye lihlala linesixa esiphezulu, kodwa ligcina imali yakho ikhuselekile ixesha elide kwaye likuvumela ukuba uphulukane nayo ukuba ixabiso linyuka. Abanye abalondolozi basebenzisa iCD-ixesha lokuphelelwa lixesha elijikelezayo-ukumisela ukulingana kwenzuzo nokufikelela.
ICD ithelekiswa njani neakhawunti yokugcina?
ICD ihlala ihlawulisa umyinge wenzala ophezulu, oqinileyo, ukubuyisela imali ekhuselwe kwixesha elidlulileyo, ngelixa iakhawunti yokonga ihlawulisa umyinge wenzala oguqukayo onokuthi uyisuse nangaliphi na ixesha. Ukuba awuzukufuna imali engenayo phambi kokuba ifike kwixesha lokugqitywa, i-APY eqinisekisiweyo ephezulu yeCD ihlala iphumelela.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.