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CD Ladder Calculator


CD Ladder Calculator

CD Ladder Calculator

This this cd ladder calculator closely examine the benefits of investing in a series of Certificates of Deposits with different maturities, also known as a "CD ladder." This investing strategy can allow you to take advantage of the higher rates normally associated with longer-term CDs while maintaining frequent access to your funds. For more information about CD laddering, see CD laddering explained.


This Financial Calculator requires SUN's Java™ Plug-in. If you see this message you will need to download SUN's Java™ Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing "Install ActiveX Control".

    You can also get SUN's Java™ Plug-in here: Get the Java™ Plug-in!

Definitions of terms included in this calculator

Definitions for the CD Ladder Calculator


Total to invest
This is the total amount to invest in your CD Ladder.

Frequency of Maturing CDs
How often you would like to have a CD maturing. For example, if you choose six months, one of your CDs in your CD ladder will mature every six months.

Amount in each CD
How much you wish to invest in each CD in your ladder. We use this amount to calculate the number of CDs in the ladder. If the amount that you enter isn't evenly divisible by the total you wish to put into your CD Ladder, we will automatically adjust it up to an evenly divisible amount.

CDs in your Ladder
The number of CDs that will be in your CD ladder. Each CD will have a different maturity, so that one of your CDs will mature at the frequency you specify. This calculator assumes that you redeposit all matured CDs into new CDs that have a term of the longest maturity in your original CD ladder.

Interest is compounded
Interest earned on your CD's accumulated interest. This calculator allows you to choose the frequency that your CD's interest income is added to your account. The more frequently this occurs, the sooner your accumulated interest income will generate additional interest. You may wish to check with your local office to find out how often interest is being compounded on your particular CD.


Note: This information is for general use only. Use this information as part of a full research process. General financial advice does not always apply directly to individual financial matters. Please consult a financial expert with specific and complex questions about your individual situation.



About our CD Ladder Calculator

This cd ladder calculator is just one of more than 30 personal finance calculators that we offer to consumers to help make knowledgeable decisions in all-important financial situations. Please use the cd ladder calculator as part of a thorough research process. For more news, advice and resources, visit our knowledge center.


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CD Ladder Calculator