CD Ladder Calculator

Split your cash across multiple certificate of deposit terms, estimate interest, and see how a CD ladder creates recurring maturity dates.

Updated April 2026 - Cash yield planning

Total Cash to Invest

Number of CDs

Average APY

Longest Term (months)

Why savers use CD ladders

A CD ladder helps balance yield and liquidity by splitting money across several maturity dates instead of locking everything into one term. When each rung matures, you can spend the cash or reinvest at then-current rates.

Related tools: CD calculator, savings calculator, and our best CD rates guide.