Àwọn Ìṣàmúlò-ètò

Calculate the maturity value and interest on a certificate of deposit.

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò

Àwọn ìṣàmúlò-ètò

Àwọn Àkọ́lé

Àwọn ààyè-iṣẹ́

Àwọn Ìjánu-ìṣàmúlò-ètò ?

Tax on the interest, to show the after-tax return.

Àwọn ìṣàmúlò-ètò —

Àwọn àwọn ààyè-iṣẹ́ —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Bawo ní a ṣe lè ṣé ìṣàmúlò-ètò CD?

The deposit compounds each period: maturity = deposit × (1 + rate ÷ n)^(n × years), where n is the compounding frequency. Interest earned is the maturity value minus your original deposit.

Ń óò fi CD̀ láti APR tàbí APỲ pọ̀?

Compare by APY, because it already folds in the compounding frequency and reflects what you actually earn in a year. Two CDs with the same APR but different compounding will have slightly different APYs.

Ńlá àwọn

Ya. Ìdáràn nínú CD ní a tí lè fí owó gba nínú oṣùbàlẹ̀ nínú oṣùbàlẹ̀, láti dí pé o kò lè gba o. Fi àwọn ìtàn owó rẹ̀ sínú àwọn à

What happens if I withdraw from a CD early?

Most CDs charge an early-withdrawal penalty, often several months of interest, which can wipe out much of your gain or even dip into principal. This calculator assumes you hold to maturity, so subtract any penalty yourself if you might cash out early.

Does a longer CD term always earn more?

A pipẹ-akoko gba diẹ sii ju gbo owo-ori ni oṣuwọn kan ti a fun ati ni igbagbogbo gbe oṣuwọn ti o ga julọ, ṣugbọn o tun dawọ owo rẹ lọ si pipẹ ati ki o fi ọ han lati gbagbe kuro ti o ba jẹ pe oṣuwọn ti nlọ. Awọn apamọ diẹ lo CD ladder - staggered maturities - lati pọ si owo-ori ati iwọle.

Bawo ni CD ṣe lè ṣé pàpọ̀ pẹlú àkọ́kọ́ ìpamọ́?

A CD ti o ti gba a ti o ga, ti o tọka si iye ni ipadabọ fun titẹsi awọn owo nibẹ fun awọn ofin, nigba ti a owo-ifowopamọ iroyin gba a ti o yatọ si iye ti o le yọ kuro ni eyikeyi akoko. Ti o ba ti o ko ba nilo awọn owo-ori ṣaaju ki o to ipari, ti o ga APY ti CD ti o ti wa ni garantized ni igbagbogbo won.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

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.

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