CD Ladder Calculator

The term "CD Ladder" refers to opening a series of Certificates of Deposit (CDs) with a range of maturity dates, then re-depositing maturing CD balances into long-term, higher-rate CDs. This strategy provides greater liquidity than a single long-term CD and a higher rate of return than a single short-term rollover CD.  It can be especially beneficial when interest rates are rising and maturing balances are re-deposited at increasingly higher rates.

Click the pencil icon to expand the "CD Interest Rates" section, and adjust the interest rates & terms of your CDs. Then click the "View Report" button to see how a CD Ladder compares to a single short-term rollover CD.

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Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax 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.