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Certificate of Deposit (CD) Ladder Calculator

Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder. With a CD Ladder, you can benefit from higher interest rates for longer maturities, while achieving better liquidity, rather than investing in a single long-term CD.

To maximize results of the CD Ladder, each maturing CD should be reinvested in a new CD with a term equal to the longest term CD. This strategy allows you to take advantage of the higher rates normally associated with longer-term CDs while maintaining frequent access to your funds.

For example: If you established a ladder with 6-month, 12-month, 18-month and 24-month terms, when the 6-month CD matures, invest the funds in a new 24-month CD. Similarly, when the 12-month CD matures, invest the funds in another new 24-month CD, and so on. At the end of two years you'll have four, 24-month CDs with a CD maturing every six months.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. This service shall not infer that the company or its affiliates assumes any fiduciary duties. In addition, such service should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. Use of service is provided without warranty of any kind, either express, implied or statutory, including FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, AND ACCURACY. Use of service is entirely at users own risk and user should seek professional financial and legal advice without reliance on service. Provider and email service provider shall not be liable for any lost profits, lost business, direct or indirect, punitive or consequential damages or damages of any kind arising out of service use. User agrees to indemnify and hold harmless company, email service provider, and affiliates from any and all liabilities and costs (including attorney fees) for any improper use or violation of these terms.

Calculated amounts and results are for informational purposes only. Actual amounts, durations, rates, and values will vary based on your creditworthiness, individual circumstances, and other unique variables. These results should in no way be construed as an offer or guarantee of credit.