Free calculator · as of 2026-11-01
CD ladder calculator
A CD ladder splits your cash into CDs that mature at different times, so part of your money frees up regularly. Defaults use the best verified rate per term as of Oct 24, 2026.
Total interest across the ladder
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| Rung | Amount | Interest at maturity |
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Estimates only, for illustration. Not financial advice. The math runs in your browser; nothing you type is sent to CashWars.
Rates: best verified CD per term from CD rates (3-mo Navy Federal Credit Union 1.5%, 6-mo Barclays 4%, 12-mo Barclays 4.5%, 24-mo Marcus by Goldman Sachs 4.4%, 36-mo Marcus by Goldman Sachs 4.4%, 60-mo Marcus by Goldman Sachs 4.4%).
FAQ
How does a CD ladder work?
You split money into CDs of different lengths. As each one matures you can use the cash or reinvest it, so you are never fully locked up.
Is interest compounded?
We compound annually from the APY over each CD's term. Your bank's schedule may differ slightly.