CD Ladder Calculator
Split a deposit across staggered CD terms and see each rung’s maturity value and the ladder’s blended rate.
This is an estimate based on the numbers you have entered, not financial advice. NetWorthy never recommends a specific security and never moves money on your behalf.
4.22%
Blended rate
$6,552.33
Total interest
$56,552.33
Total across all maturities
| Rung | Deposit | Rate | Value at maturity |
|---|---|---|---|
| 1 year | $10,000.00 | 4.50% | $10,450.00 |
| 2 years | $10,000.00 | 4.30% | $10,878.49 |
| 3 years | $10,000.00 | 4.20% | $11,313.66 |
| 4 years | $10,000.00 | 4.10% | $11,743.65 |
| 5 years | $10,000.00 | 4.00% | $12,166.53 |
A ladder buys back liquidity: something matures every year instead of the whole balance being locked to the longest term. Each rung is priced through its own maturity only — rolling a matured rung into a new CD depends on a rate nobody can quote today.