CD Ladder Planner

Plan a certificate-of-deposit ladder: deposits per rung and interest earned.

Total to invest ($):

Rungs (years 1\u20135):

APY (%):

How to use

Enter total savings, rungs and APY, then click Plan. Everything runs in your browser — nothing is uploaded or stored.

What is a CD ladder?

Splitting savings across CDs that mature in staggered years for liquidity + yield.

Are the returns guaranteed?

CD rates are fixed per term; this projects with a single APY for simplicity.

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