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Certificate of Deposit Growth · CD Ladder Planner · CD vs HYSA Comparison

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Certificate of Deposit Growth · CD Ladder Planner · CD vs HYSA Comparison

A Certificate of Deposit (CD) is an FDIC-insured savings product that pays a fixed interest rate for a set term. In exchange for locking up your money, you get a higher rate than a standard savings account — and a guaranteed return.

CD Details

Deposit Amount

Annual Percentage Yield (APY)

CD Term

Compounding Frequency

Tax Rate on Interest

Inflation Rate

Early Withdrawal (optional)

Early Withdrawal After

months (0 = hold to maturity)

Early Withdrawal Penalty

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CD Summary

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Maturity Value

—

Total Interest Earned

—

Principal

—

Gross Interest

—

Tax on Interest

—

Net After-Tax Interest

—

APY (Effective)

—

Real Return (after inflation)

—

Daily Interest Earned

—

Early Withdrawal Value

—

💰 Maturity Value Breakdown

🔮 CD Scenarios

If APY was 0.5% higher:—

If deposit was doubled:—

If rolled over at same rate (full cycle):—

Penalty-free breakeven (early withdrawal):—

vs Keeping in 0.5% APY savings account:—

CD Insights

A CD ladder splits your money across multiple CDs with different maturity dates. This gives you the higher rates of long-term CDs while maintaining liquidity — one CD matures every period, giving you regular access to funds.

Ladder Setup

Total Amount to Invest

Number of Rungs (CDs)

Base Term (shortest CD)

CD Rates by Rung

Rung 1 Rate (shortest term)

% APY

Rung 2 Rate

% APY

Rung 3 Rate

% APY

Rung 4 Rate

% APY

Rung 5 Rate (longest term)

% APY

Rung 6 Rate (if 6 rungs)

% APY

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Ladder Summary

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Total Interest from Ladder

—

Blended Average Rate

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🪜 Your CD Ladder Rungs

Total Invested

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Total at Maturity

—

Blended Rate

—

Liquidity (first maturity)

—

Per-Rung Deposit

—

Longest Term

—

Interest / Year (avg)

—

vs All-in Short-Term

—

🔮 Ladder Scenarios

If rates rise 1% at each renewal:—

If rates fall 1% at each renewal:—

All-in longest term vs ladder difference:—

Withdrawing rung 1 at first maturity:—

Ladder blended rate vs best short-term rate:—

CD Ladder Insights

CDs offer fixed rates and guaranteed returns but lock up funds. High-Yield Savings Accounts (HYSAs) are fully liquid but have variable rates that move with the Fed. Compare both side-by-side to find the right fit for your timeline and liquidity needs.

Your Deposit

Deposit Amount

Comparison Period

Marginal Tax Rate

CD Details

CD APY (fixed for full term)

Early Withdrawal Penalty

HYSA Details

HYSA Current APY

Expected Annual Rate Change

%/yr

HYSA Floor Rate (minimum)

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Comparison Result

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🏦 Certificate of Deposit

Total Interest Earned

—

💧 High-Yield Savings

Total Interest Earned

—

CD Final Value

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HYSA Final Value

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CD Advantage / HYSA Advantage

—

CD After-Tax Interest

—

HYSA After-Tax Interest

—

CD Breakeven (early withdrawal)

—

CD Rate Spread over HYSA

—

Recommended Choice

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📊 Interest Comparison at Different Timepoints

🔮 Comparison Scenarios

If HYSA rates stay flat (no Fed cuts):—

If HYSA rate drops 1% more than expected:—

If you need funds halfway through term:—

CD breakeven month (penalty paid back):—

No-penalty CD at CD rate (best of both):—

CD vs HYSA Insights

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