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CD Ladder Calculator

CD Ladder Calculator

Use Monitor Bank Rates’ CD ladder calculator to examine the benefits of investing in Certificates of Deposits with different maturities, this investment strategy is known as a CD Ladder. You can easily calculate how much interest you can earn by laddering CDs. When you create a CD Ladder, you benefit from higher CD rates on longer term CDs while maintaining short term access to your money.

CD Ladder Calculator Definitions

Total to invest

This is the total amount of your CD ladder investment.

Amount in each CD

How much money you wish to invest in each CD account in your ladder. This amount to calculate the number of CDs in your CD 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.

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.

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.

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.


The CD Ladder calculator and the results are made available to our website visitors as a self help tool. Monitor Bank Rates LLC cannot and does not guarantee the accuracy. The example above is hypothetical and is for illustrative means only.