Kalkulator faedah CD

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About this tool

Enter the deposit, the APY, the term in months and your tax rate. The calculator shows the interest earned, the interest after tax and the value at maturity. APY already includes compounding, so it is applied directly.

How a CD earns

A certificate of deposit holds your money for a fixed term at a fixed APY. The interest over a term of m months is the deposit times (1 + APY) to the power m/12, minus one. Interest is taxable income in the year it is credited, even if you do not withdraw it.

Example

$10,000 at 4.25 percent APY for 12 months earns $425, or about $331 after a 22 percent tax rate.

Tips

Bank CDs are insured by the FDIC up to $250,000 per depositor per bank. Early withdrawal usually costs several months of interest.

Contoh berselesaian

With the boxes at their starting values (Deposit ($): 10000; APY (%): 4.25; Term (months): 12; Your tax rate on interest (%): 22), the tool shows: Interest earned ($): 425.00; Interest after tax ($): 331.50; Average per month ($): 35.42; Value at maturity ($): 10,425.00. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

Petua untuk hasil terbaik

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