Estimated result
Enter assumptions and select Calculate.
APY and nominal-rate modes
APY mode uses balance = principal × (1 + APY)years. Nominal mode uses principal × (1 + r/n)n×years and reports the equivalent APY.
CD boundaries
This models one fixed opening deposit. It does not fetch bank rates or include contributions, withdrawals, early-withdrawal penalties, taxes, FDIC eligibility, recommendations, or bank-specific conventions.
Worked example
An opening deposit of 10,000 at 5% APY for 12 months produces an estimated maturity balance of 10,500 and 500 interest.
Estimate boundaries
Results use only entered assumptions and deterministic formulas. No bank, salary, stock, dividend, issuer, geolocation, or other external financial data is requested.