Savings Calculator.

CD Rate Calculator

Use this calculator to quickly figure the future value of a CD investment along with the effective APR you earned.

Entry Description Amount
CD amount:
Annual interest rate (APR %): VIEW TODAY'S RATES
Months until maturity:
Compounding interval:
State & Federal Tax Rate (if taxed):
Inflation Rate:
Future value (untaxed, not inflation adjusted):
Interest earned:
Annual percentage yield (APY):
Income taxes on interest:
Interest earnings after income taxes:
Savings after income taxes:
Inflation-adjusted future value of savings:
Net change in purchasing power:

Enjoy Your Savings!

Saving Money.

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I very frequently get the question:

'What's going to change in the next 10 years?' And that is a very interesting question; it's a very common one. I almost never get the question: 'What's not going to change in the next 10 years?' And I submit to you that that second question is actually the more important of the two — because you can build a business strategy around the things that are stable in time. … [I]n our retail business, we know that customers want low prices, and I know that's going to be true 10 years from now. They want fast delivery; they want vast selection. It's impossible to imagine a future 10 years from now where a customer comes up and says, 'Jeff I love Amazon; I just wish the prices were a little higher,' [or] 'I love Amazon; I just wish you'd deliver a little more slowly.' Impossible. And so the effort we put into those things, spinning those things up, we know the energy we put into it today will still be paying off dividends for our customers 10 years from now. When you have something that you know is true, even over the long term, you can afford to put a lot of energy into it." - Jeff Bezos

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Risk guarantee


  • Every investment you make comes with a substantial risk of loss of principal or purchasing power. The safest investment you can make is investing in yourself.
    If you let others manage your investments, the single biggest factor you can control is your investment-related expenses, as they have a big impact on compounding.
 

Imagine you have $100,000 invested. If the account earned 6% a year for the next 25 years and had no costs or fees, you'd end up with about $430,000.

If, on the other hand, you paid 2% a year in costs, after 25 years you'd only have about $260,000.

That's right: The 2% you paid every year would wipe out almost 40% of your final account value. 2% doesn't sound so small anymore, does it? - Vanguard