CD Calculator
根据存款金额、APY、期限和复利频率，快速估算定期存单到期后的利息收益、本息合计和预计到期时间。
加入税后估算
预估税率 (%)
本 CD Calculator 仅用于估算。不同银行对期限定义、复利频率、计息方式和提前支取罚金的处理可能不同。
Certificate of deposit basics
A CD calculator is most useful when it explains what changes the result. These notes cover the same core ideas savers usually look for on major calculator pages, but in a tighter format.
What a CD is
A certificate of deposit is a savings product that locks money for a fixed term in exchange for a stated yield. In most cases, the longer the term, the longer you give up access to the cash.
How interest is shown
Banks usually advertise APY because it reflects compounding over a full year. That makes APY the most useful number when you compare CD offers across banks.
Why insurance matters
Bank CDs are commonly protected by FDIC coverage and credit union CDs by NCUA coverage, up to program limits. Coverage does not remove liquidity limits or early withdrawal rules.
What this calculator helps with
Use it to estimate maturity value, compare term lengths, test compounding choices, and preview how taxes may affect the interest you keep.
What changes your estimate
Deposit size
A larger starting balance increases the dollar value of interest, even when the APY stays the same.
APY and term length
These two inputs do most of the work. Higher APY or a longer term generally leads to a higher maturity balance.
Compounding frequency
More frequent compounding can increase returns slightly, though the gap is usually modest when APY is already quoted.
Taxes and penalties
Taxes reduce the interest you keep, and early withdrawal penalties can reduce proceeds if money is pulled out before maturity.
When a CD usually fits best
01
Cash you do not need immediately
A CD can make sense when you want more yield than a checking account and are comfortable leaving the money untouched for the full term.
02
Known short- or medium-term goals
Many savers use CDs for planned expenses, rollover dates, or staged savings goals where the maturity date matters.
03
Comparing a ladder strategy
If you want recurring access to funds, use several smaller CDs with different maturities instead of putting everything into one long term.
CD 利息是如何计算的
高排名的 CD calculator 页面通常既有可用的工具，也会解释结果背后的逻辑。这里保留足够的信息深度，但避免变成模板化营销页。
01
先确定金额和期限
本金和期限决定了计算的基础。通常本金越高、期限越长，总利息也越高。
02
再应用 APY 和复利频率
APY 体现年化收益率。计算器会根据你选择的复利频率换算成对应的计息方式，再估算到期金额。
03
查看到期结果和税后估算
结果会展示预计利息、到期本息和可选的税后收益，方便你更接近真实情况地做储蓄计划。
CD Calculator 常见问题
这些问题覆盖了 Google 上 `cd calculator` 相关搜索中最常见的用户疑问。
计算方法与假设
最后更新：2026 年 3 月 1 日
使用公式
到期金额 = 本金 x (1 + 名义利率 / 每年复利次数) ^ (每年复利次数 x 年数)
默认假设
- 系统会先把 APY 换算成与你所选复利频率相匹配的名义利率。
- 默认假设资金会一直存到到期，中途没有追加存款。
- 税后估算只针对利息部分，不包含州税或地方税等差异。
- 计算中不包含提前支取罚金、促销限制和各银行特殊计息规则。
本工具只提供规划用途的估算，不构成财务建议，也不是任何银行的正式报价。请以实际银行条款和 APY 说明为准。