Certificate of Deposit (CD) Calculator
See how your savings grow. Calculate your CD earnings, compare interest rates, and see what the balance is really worth at maturity.
See how your savings grow. Calculate your CD earnings, compare interest rates, and see what the balance is really worth at maturity.
A certificate of deposit is a safe way to grow your savings with guaranteed interest. Lock in a rate, choose your term, and watch your money grow.
The same product goes by different names depending on where you bank: a fixed deposit or FD in India, a term deposit in Australia and New Zealand, a fixed rate bond in the United Kingdom, a GIC in Canada, and a depósito a plazo fijo across Latin America. The maths is the same, so this calculator works for all of them.
Interest earned, final balance, and maturity date the moment you finish typing.
Watch the balance climb over the term and see how much of it is interest rather than your deposit.
Set an inflation rate and see the real balance beside the nominal one.
Name the balance you want at maturity and it solves for the deposit you need to start with.
A full breakdown by year or by month, so you can see exactly where the balance is at any point.
Pick a start date in Advanced options and know the exact day the money is yours again.
Amounts, numbers, and dates follow your device's locale across 12 languages.
Send a calculation to someone else, or keep it for the conversation with your bank.
Yes. Every calculation is free with nothing locked and no subscription.
Yes, the same product goes by different names depending on where you bank. It is a certificate of deposit in the United States, a fixed deposit or FD in India, a term deposit in Australia and New Zealand, a fixed rate bond in the United Kingdom, a GIC in Canada, and a depósito a plazo fijo across Latin America. You lock money away for a set term at a set rate, and the maths is identical, so this calculator works for all of them.
Enter your deposit, the rate, and the term, and you get the interest earned, the final balance, the maturity date, and a year-by-year or month-by-month breakdown. A growth chart shows the shape of it, so you can see how much of the balance is your money and how much the bank added.
Yes, that is what Goal Seek is for. Enter the balance you want at maturity and it solves for the deposit you need to start with, so you can plan from the target backwards instead of guessing.
Yes. Set an inflation rate in Advanced options and the calculator shows the real balance alongside the nominal one, so you can see what your money will actually be worth at maturity rather than just the bigger number.
Yes. Amounts, numbers, and dates follow your device's own locale, so a German user sees 1.000,00 € and 31.12.2026 without changing a setting.