I-Calculator
Bala ixabiso lokuphelisa kanye nenzuzo kwisatifiketi sokufaka imali.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Indlela i-CD ikhokhwa ngayo intshisekelo?
I-deposit ihlanganisa isikhathi ngasinye: ukudluliswa = ukudluliswa × (1 + inani ÷ n) ^ (n × iminyaka), lapho n kuyinto ephindaphindwayo. Usizo olutholakele luyi-value yokudluliswa kunciphisa i-deposit yakho yokuqala.
Ingabe kufanele ngiqhathanise amaCD nge APR noma nge APY?
Ulinganise nge APY, ngoba ikhona imilenze ekuphathweni kokuhlanganisa futhi ibonisa ukuthi yini oyenzayo ngonyaka. ICDs ezimbili ezine APR efanayo kodwa ukuhlanganisa okuhlukile kuzobe ne APYs ezihlukile.
Ingabe i-CD ikhokhwa imali?
Yebo. Inzuzo ku CD ivame ukukhokhwa njengemali engenayo ejwayelekile ngonyaka lapho ikhokhwa khona, ngisho uma awuyisusanga. Faka inani lakho lezimali ezincane ukuze ubone imali engenayo ngemuva kwezimali, okuwunombolo ebalulekile yokuqhathaniswa kwe-CD ekhokhwa ngayo ne-akhawunti ekhokhelwa imali.
Yini ezoba uma ngisusa i-CD kuqala?
Iningi le CDs likhokhisa umonakalo oqale ukukhishwa, njalo ngenyanga eziningana zenzuzo, ongenza uvale inzuzo yakho noma ubeke izimali zakho eziyinhloko. Le kalkuli icabanga ukuthi ugcina unyaka ophelile, ngakho uthathe noma yimuphi umonakalo wena uma ungakwazi ukukhokha kuqala.
Ingabe isikhathi eside seCD sizothola okuningi?
Isikhathi eside sithola okuningi okuphelele okuhlobene nezinga elinikeziwe futhi njalo sithatha inani eliphakeme, kodwa futhi sivala imali yakho isikhathi eside futhi sibonisa ukuthi ulahlekelwa uma inani likhuphuka. Abanye abalondolozi basebenzisa i-CD ladder - ama-maturity ahlukanisiwe - ukulinganisela ukukhiqizwa nokufinyelela.
Uyini umehluko phakathi kweCD ne-akhawunti ye-akhawunti?
A CD ngokuvamile ikhokha phezulu, isilinganiso esiqinile ekubuyiseleni ukuvala imali kude ngesikhathi, ngenkathi i-akhawunti yokutshala ikhokha isilinganiso esiguqukayo ongasusa nganoma yisiphi isikhathi. Uma awudingi imali engenayo ngaphambi kokufinyelela, CD phezulu iqinisekisiwe APY njalo wins.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.