BankRankedCD Ladder Calculator
Plan a CD ladder strategy to balance liquidity with higher returns. Split your investment across CDs with staggered maturity dates.
Calculator Disclaimer
This calculator is for educational and illustrative purposes only. It does not constitute financial advice. Results are estimates based on the inputs you provide and may not reflect actual returns. BankRanked is not a bank, credit union, or financial advisor. Consult a qualified financial professional before making financial decisions.
Your inputs stay in your browser and are not sent to any server.
Total Investment
$25K
Per CD
$5K
Total Interest
$4K
| Rung | Term | Amount | APY | Interest | Matures |
|---|---|---|---|---|---|
| 1 | 12 months | $5K | 4.50% | $225 | Apr 2027 |
| 2 | 24 months | $5K | 4.60% | $471 | Apr 2028 |
| 3 | 36 months | $5K | 4.70% | $739 | Apr 2029 |
| 4 | 48 months | $5K | 4.80% | $1K | Apr 2030 |
| 5 | 60 months | $5K | 4.90% | $1K | Apr 2031 |
APY increases by 0.10% for each additional year of term length. Actual rates vary by institution. Interest calculated using annual compounding.