What's inside
- Ladder: up to 10 CDs, any spacing (12 months = one matures every year, 3 = every quarter), each CD's APY, maturity date, value at maturity and interest; rolled over into the longest term as each one matures
- Compare after 1 to 30 years: the ladder vs a savings account vs one long CD
- Maturities: every maturity date in that period (up to 120), which CD, how much comes free and the interest it earned
- My CDs: up to 25 real CDs with maturity date, value today, early-withdrawal penalty and what you'd get if you cashed out, days left, status, interest for a tax year; next maturity and what matures in the next 90 days
- Sample: $25,000 in 5 CDs, 1 to 5 years: $36,639 after 10 years, $1,364 more than savings at 3.50% (sample rates: enter your bank's)
Checked, not just designed: all 1,183 formulas recalculate with zero errors, and every CD, maturity and total was checked against an independent calculation in 22 cases.
Works in Excel and Google Sheets.
Try the free version first
The free online calculator uses the same model for a quick answer. The spreadsheet adds tracking, history and the full views.