CD Calculator

Estimate a CD's maturity value using its stated rate and compounding frequency. Calculate it clearly with Figur.

How the cd calculator works

Estimate a CD's maturity value using its stated rate and compounding frequency.

Method and assumptions

Figur applies straightforward arithmetic to the values you enter. The calculation runs locally in your browser and is not stored.

  • The result depends on accurate inputs and units.
  • External factors, fees, taxes, or rules not requested by the calculator are not included.
  • Use the result as a planning estimate and verify any high-stakes decision.

Sources and references

No external data source is required: this calculator uses standard arithmetic and the values you enter.

Worked example

$10,000 for 2 years at 4.5%, compounded 12 times per year.

The maturity value is $10,939.90, including compounded interest.

Frequently asked questions

What does compounding mean?

Interest is added to the balance at each compounding period and then earns interest itself.

Are taxes included?

No. This is a pre-tax estimate and excludes early-withdrawal penalties.

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