CD Calculator
Estimate how much your certificate of deposit could grow by maturity using your initial deposit, term, and APY.
Review maturity value and month-by-month interest growth in one place.
CD value at maturity
₹ 0.00
Total interest earned
₹ 0.00
Initial deposit
₹ 0.00
Term (months)
0
Start date
—
Last payment
—
Balance over time
| S.No | Date | Opening balance | Interest earned | Ending balance |
|---|
How to Use This Calculator
- Enter your Initial deposit amount.
- Set the CD term in years or months.
- Enter the bank's quoted APY (%).
- Choose a Start date (month and year) for the first row on the growth schedule and exports.
- Click Calculate to view maturity value, total interest, the balance chart, and the month-by-month schedule.
- Use Excel or PDF buttons to download the latest schedule.
Frequently Asked Questions
Does APY already include compounding?
Yes. APY reflects compounding, so this calculator uses APY directly to estimate monthly growth.
Can I add monthly contributions to this CD projection?
No. This projection assumes a standard CD with one initial deposit and no additional contributions.
Are early withdrawal penalties included?
No. This projection estimates growth to maturity and does not apply any early withdrawal penalties.
