Certificate of Deposit (CD) APY & Interest Calculator
Calculate CD interest payouts, compounding APY, and early withdrawal penalties.
Calculation Inputs
Calculation Results
📊
Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Maturity Balance = Deposit × (1 + APY)^(Months / 12)
CDs lock capital for fixed terms in exchange for guaranteed APY yields.
Frequently Asked Questions
What is APY vs Interest Rate?
APY includes compound interest effects over a full year, whereas simple interest rate does not.