What this site is
CD Calculator Free is a small, independent website with plain calculators for certificates of deposit (CDs) that do the maths on your device, with every formula published. You enter the deposit, the rate and the term, and the site shows the value at maturity, the interest, the APY or APR, an early withdrawal penalty or a ladder plan.
The site is run by a small independent team that builds simple, free tools. It is not a bank, credit union, broker or financial adviser, and it is not connected to any financial institution.
How results are checked
Every calculation runs in your browser, and nothing you type is sent to us. One tested script produces every number you see, so the worked examples on the pages and the live tools always agree. The formulas and the full list of test cases are on the methodology page.
The site provides no rates. Results are estimates from the numbers you enter, not financial advice; check the account disclosure from your institution before you decide.
Questions
Found a result that looks wrong, or want a tool added? Use the contact page.