CD Calculator

Certificate of deposit future value with compounding.

CD Calculator helps you certificate of deposit future value with compounding. Enter deposit, annual interest rate, and term, review the breakdown, and use the guidance below to understand what the number means — and what it does not. What the CD calculator does CD Calculator is built for money decisions — loans, savings, payments, and taxes. Certificate of deposit future value with compounding. You enter deposit, annual interest rate, and term, then Simple Calculators computes the result instantly. Rates, fees, and tax rules vary by lender and country, so treat results as planning numbers, not a contract. How the math works Enter the Deposit, the Annual interest rate, the Term in years and How often interest is added (annually, semi-annually, quarterly, monthly or daily). Value at maturity = deposit × (1 + annual rate ÷ times per year)^(times per year × years). The calculator also shows the APY, the true yearly growth once compounding is included. It assumes a single deposit left untouched, with no early-withdrawal penalties or tax. The formula: FV = P × (1 + r)^n. P is the deposit, r the annual rate divided by how many times a year interest is added, and n the number of times it i…