| CD # | Investment | APY | Term | Maturity Value | Interest | Maturity Date |
|---|
Enter your total investment amount and choose how many CD rungs you want (3–5). Then set the APY for each term length. The calculator splits your money equally across all rungs and shows exactly what each CD will be worth at maturity, plus when it matures.
A CD ladder is a strategy where you spread your money across multiple CDs with staggered maturity dates. When each CD matures, you reinvest it into a new long-term CD. The benefit: you get the higher rates of longer-term CDs while still having regular access to cash. A 5-rung ladder gives you one CD maturing every year, so you're never locked out of your money for more than 12 months. This beats keeping everything in a 1-year CD (lower rates) or a single 5-year CD (no liquidity).