CD Ladder Calculator
Build a CD ladder strategy for better liquidity while maximizing returns.
CD Interest Rates (%)
Why Use a CD Ladder?
Better liquidity: Instead of locking all your money in one long-term CD, you have regular access to funds as each rung matures.
Interest rate hedging: Spread across multiple terms, so you benefit if rates rise (reinvest at higher rates) or fall (locked in older higher rates).
Maintaining the ladder: When a CD matures, reinvest it into the longest term to keep the ladder going and maintain the highest rates.
FDIC protection: Each CD is insured up to $250,000 per depositor per bank. Spread across banks if your ladder exceeds this.
This calculator provides estimates for educational purposes only.