CD Ladder Calculator

Split a deposit equally among five CDs maturing in years 1 through 5 and estimate their interest at maturity.

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Deposit and Annual Percentage Yields

Total CD Ladder Investment ($)1-Year CD APY (%)2-Year CD APY (%)3-Year CD APY (%)4-Year CD APY (%)5-Year CD APY (%)

CD Ladder Maturity Schedule

Initial Deposit in Each CD: $5,000.00

Year 1 Maturity: $5,190.00 (interest $190.00)

Year 2 Maturity: $5,408.00 (interest $408.00)

Year 3 Maturity: $5,640.56 (interest $640.56)

Year 4 Maturity: $5,894.42 (interest $894.42)

Year 5 Maturity: $6,171.51 (interest $1,171.51)

Combined Maturity Proceeds: $28,304.49

Total Interest Earned Across All CDs: $3,304.49

Assumes each CD's quoted APY remains fixed until maturity, with interest retained and compounded at the APY. No reinvestment of maturing CDs, taxes, penalties, or early withdrawals are included. Maturities occur in different years; the combined proceeds are not a single simultaneous account balance. Confirm deposit insurance coverage and terms with the issuing institution.