CD Ladder Calculator
Split a deposit across CDs that mature in turn, roll each into the longest term, and see the ladder's value.
Change the values and press Calculate to work out your own figures.
Enter the deposit, each rung's rate and the time between rungs.
| Rung | First term | Value at the end |
|---|---|---|
| 1 | 12 months at 4% | $2,509.05 |
| 2 | 24 months at 4.2% | $2,499.48 |
| 3 | 36 months at 4.4% | $2,499.51 |
| 4 | 48 months at 4.6% | $2,509.10 |
| 5 | 60 months at 4.8% | $2,528.35 |
Show the working
- each rung = deposit ÷ rungs, grown at its rate until it matures, then at the longest rate
How to use it
Enter the deposit, each rung's rate and the time between rungs.
Enter amounts without commas or with them; rates are percentages (5 for 5%). Negative amounts are allowed where a sign means money paid out.
Key facts
each rung = deposit ÷ rungs, grown at its own rate until it matures, then at the longest rung's rate
Why ladder
A ladder keeps part of your money maturing regularly while most of it earns the longer-term rate.
Questions
What is a 5-rung yearly ladder of $10,000 worth after 5 years?
$12,545.47 at 4.0–4.8%, compounded yearly.
Formulas
each rung = deposit ÷ rungs, grown at its own rate until it matures, then at the longest rung's rate
Sources
Limitations
- Results are estimates for planning, not offers or financial advice; lenders and banks may round, count days or time payments differently.
- Rates are nominal annual rates compounded as you choose; payments at a different frequency use the equivalent periodic rate.