Certificate Ladder Calculator
Maximize Your Savings Strategy
A CD ladder is a smart savings strategy that helps you earn higher interest rates while keeping your money accessible. Instead of locking all your funds into one long-term certificate of deposit (CD), you spread your investment across multiple CDs with staggered maturity dates. This approach allows you to take advantage of long-term rates while maintaining flexibility. Use our CD Ladder Calculator to estimate your potential returns, compare laddering strategies, and plan a savings approach that fits your financial goals.
This calculator is provided for illustration and informational purposes only. The results are estimates and do not constitute an offer, approval, or commitment to lend or provide any financial product. Actual terms, rate and conditions may vary and are subject to credit approval and applicable laws. Calculators do not guarantee accuracy. Applicable fees may impact final rates. Product terms and conditions may affect the results of the calculator. This calculator is not intended to offer any tax, legal, financial or investment advice. Please contact a qualified representative for official information.