Creating a CD ladder is a smart way to simultaneously grow your savings while always having access to money from matured CDs. The key is to stagger your deposit across several months and years so there's always a CD hitting maturity and providing access to money, if you need it. If you don't, keep reinvesting and growing. This calculator shows you the benefits of laddering compared to depositing money into a just one CD.

CD Ladder Calculator

Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder. With a CD Ladder, you can benefit from higher interest rates for longer maturities, while achieving better liquidity, rather than investing in a single long-term CD.


Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.