CD Calculator — Certificate of Deposit Maturity Value
Reviewed 2026-06-03 · FinCalc Hub Editorial
A certificate of deposit locks in a fixed APY for a set term. Enter your deposit, APY, and term to see how much it will be worth at maturity.
Value at maturity$10,450
Interest earned$450
Based on APY, which already accounts for compounding. Early withdrawal penalties may apply.
Frequently asked questions
- Is a CD better than savings?
- CDs usually offer higher fixed rates than savings accounts, but your money is locked in and early withdrawal carries a penalty.
- What is APY?
- Annual Percentage Yield reflects the rate including compounding, so it's the true yearly return you'll earn.