CD Ladder Calculator
Plan a CD ladder strategy by splitting your investment across multiple CDs with staggered maturity dates to maximize interest and maintain liquidity.
CD Ladder Breakdown
A CD Ladder splits your savings across multiple CDs with different maturity dates. As each CD matures, you reinvest or access the funds.
Interest per CD = (Amount per CD) × (APY / 100) × (Term in Years)
How it works:
- Divide your total investment equally among CDs
- Each CD has a different term (e.g., 1 year, 2 years, 3 years)
- As shorter CDs mature, reinvest at the longest term for higher rates
Benefits:
- Liquidity: Regular access to funds as CDs mature
- Higher rates: Longer-term CDs typically earn more
- Protection: Locks in rates if rates drop
Example: $25,000 split into 5 CDs of $5,000 each maturing in 1, 2, 3, 4, and 5 years.