CD Ladder Builder
Build a CD ladder for steady income.
Rates by term
Total interest at maturity
$6,710
Across 5 rungs of $10,000 each
| Term | Amount | Rate | Maturity | Interest |
|---|---|---|---|---|
| 1.0 yr | $10,000 | 4.50% | 5/9/2027 | $450 |
| 2.0 yr | $10,000 | 4.40% | 5/9/2028 | $899 |
| 3.0 yr | $10,000 | 4.30% | 5/9/2029 | $1,346 |
| 4.0 yr | $10,000 | 4.20% | 5/9/2030 | $1,789 |
| 5.0 yr | $10,000 | 4.10% | 5/9/2031 | $2,225 |
Interest assumes compounding once per year. Each maturing rung typically rolls into a new long-term CD to keep the ladder running.
About
A CD ladder splits your savings across CDs with staggered maturities. One matures each year so you have access to part of the money without breaking long-term rates. This builds the schedule from your inputs.
How to use
- Enter total amount, number of rungs, and rates per term.
- See each CD's amount, term, and maturity.
FAQ
Why ladder instead of one big CD?+
Liquidity. With a 5-year ladder, one CD matures each year. You can roll it into a new 5-year, take it out, or move to a better rate.
Treasury bills vs CDs?+
T-bills are state-tax-free and government-backed. CDs are FDIC-insured. Both are similar yield. Pick whichever bank or broker is easier for you.