# CD Calculator

> CD calculator: compute certificate of deposit interest and maturity value from deposit, rate, and term with compounding. Free, private, runs in your browser.

- **Canonical URL:** https://boringtoolskit.com/cd-calculator/
- **Category:** Everyday Calculators
- **Evidence level:** authored-methodology
- **Reviewed:** August 2026
- **Last verified:** 2026-10-12
- **Privacy:** Inputs and results stay in this browser unless the page clearly labels an external request.

## How it works

Maturity value = deposit x (1 + rate / compound)^(compound x years); interest = maturity value - deposit.

## Worked example

A $10,000 CD at 5% compounded monthly for 36 months matures at $11,614.72, earning $1,614.72 of interest.

## Sources

- [Calculation methodology and verification standard](/methodology/)

---

*Local planning estimate. Verify current terms, rates, and policies before acting.*