CD Ladder Planner

Split savings across CD terms for better rates plus regular access.

Total to invest ($):

Rungs (1–10): 5

APY per rung, comma-separated (1-yr, 2-yr, …):

Educational planner only — not financial advice. Rates are examples; check your bank.

How to use

Enter total savings, rungs and rates, then build the ladder. Everything runs in your browser.

What is a CD ladder?

Your money is split across CDs maturing in different years, so some cash frees up regularly while longer terms earn more.

Is this financial advice?

No — an educational planner.

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