Interest Rate Cds Calculator
CD Interest Rate Calculator works out Value at maturity and Interest earned from Amount deposited, That rate is and Interest compounds. The default figures on this page give rate needed for the target of 18.236710 %; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
4 steps
- A 4.5% APY compounded daily (365 a year) is a nominal rate of 18.23671%.
- A = P(1 + r/n)^(n t) = 10000 * (1 + 0.182367/365)^(365 * 1).
- Value at maturity = 12000, of which 2000 is interest.
- Solving for the rate: r = n[(target/P)^(1/(n t)) - 1] = 18.23671% nominal.
Balance at each anniversarytable
| year | balance | interest |
|---|---|---|
| 1 | 12,000 | 2,000 |
Its 5 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
3 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the CD Interest Rate Calculator calculates
Computes what a certificate of deposit is worth at maturity, the interest it earns, its annual percentage yield, and the penalty for cashing it in early; it can also solve for the rate or the term needed to reach a target balance.
How to use this CD Interest Rate Calculator
Enter Amount deposited, That rate is, Interest compounds and Term. Value at maturity updates as you type. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Value at maturity, Interest earned and Annual percentage yield.
The method follows 12 CFR Part 1030 (Regulation DD), Appendix A - Annual Percentage Yield Calculation, 12 CFR 1030.4(b)(1) and 1030.4(b)(2)(ii) - disclosure of the yield and of early-withdrawal penalties and Compound interest identity A = P(1 + r/n)^(nt), inverted for the rate and the term.
What you can compare
Change one input at a time to see how it affects Value at maturity, Interest earned and Annual percentage yield. The inputs you can vary are Amount deposited, That rate is, Interest compounds, Term, Extra months and Target balance.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
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Frequently asked questions
How much interest will a $100,000 CD earn in a year?
On the figures this page opens with — amount deposited 10,000 and term 1 year — the rate needed for the target is 18.23671%. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
Is 4% a good CD rate today?
Computes what a certificate of deposit is worth at maturity, the interest it earns, its annual percentage yield, and the penalty for cashing it in early. On the figures this page opens with — amount deposited 10,000 and term 1 year — the rate needed for the target is 18.23671%. Put your own figures in their place and the working updates beside the result.
How much will $10,000 make in a 6 month CD?
It needs Amount deposited, That rate is, Interest compounds, Term, Extra months and Target balance. Nothing else is required, and the figures stay in your browser.
How do I calculate how much interest I will get on a CD?
Computes what a certificate of deposit is worth at maturity, the interest it earns, its annual percentage yield, and the penalty for cashing it in early. Open “How this is worked out” beside the result to see each step for your own figures.
What information do I need for the CD Interest Rate Calculator?
You need Amount deposited, That rate is, Interest compounds, Term, Extra months, Target balance, Early-withdrawal penalty and Cash in after. The page opens with default figures that give rate needed for the target of 18.236710 %, so you can see the scale before entering your own.
What does this CD Interest Rate Calculator show?
It shows Value at maturity, Interest earned, Annual percentage yield, Nominal annual rate, Rate needed for the target, Term needed for the target, Interest paid out each period and Interest after tax, with the working and any warnings for your entries.