CD Calculator (Certificate of Deposit)

See what a certificate of deposit is worth at maturity given the deposit, APY, and term.

Your details

Deposit amount$Monthly addition$Most CDs don't allow additions — leave 0.APY%Term (years)Compounding

Value at maturity

$10,939.90

Interest earned: $939.90
Total deposited: $10,000.00

Deposit vs interest

Contributions: $10,000.0091%
Interest: $939.909%

Value at maturity$10,939.90

Formula

FV = principal × (1 + i)^N, where i is the periodic rate and N the number of periods.

Sources & methodology

•U.S. SEC — CDs — SEC

Last updated: 2026-07-20

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