CD Ladder Calculator
Five-rung CD ladder: per-rung amounts, blended APY across the curve and your average liquidity window.
Formula
Each year a rung matures and rolls into a new 5-year at then-current rates: after the build-out you hold all 5-year APYs with 1-year average liquidity. The defaults show today's inverted deposit curve, where laddering costs a little yield up front.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need cd ladder calculator results fast? Analysts, founders, traders and finance professionals use the CD Ladder Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About CD Ladder Calculator
Five-rung CD ladder: per-rung amounts, blended APY across the curve and your average liquidity window. Each year a rung matures and rolls into a new 5-year at then-current rates: after the build-out you hold all 5-year APYs with 1-year average liquidity. The defaults show today's inverted deposit curve, where laddering costs a little yield up front. The governing relationship is blended APY = mean of rung APYs (equal weights). The CD Ladder Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use CD Ladder Calculator
- 1Enter Total to ladder (currency), 1-year APY (%), 2-year APY (%), 3-year APY (%), 4-year APY (%), 5-year APY (%) into the CD Ladder Calculator.
- 2The result is computed automatically using blended APY = mean of rung APYs (equal weights) — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use CD Ladder Calculator?
- ✓Computes cd ladder calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the CD Ladder Calculator?+
CD Ladder Calculator uses blended APY = mean of rung APYs (equal weights). Each year a rung matures and rolls into a new 5-year at then-current rates: after the build-out you hold all 5-year APYs with 1-year average liquidity. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the CD Ladder Calculator need?+
Enter Total to ladder (currency), 1-year APY (%), 2-year APY (%), 3-year APY (%), 4-year APY (%), 5-year APY (%) and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the CD Ladder Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the CD Ladder Calculator?+
The defaults show today's inverted deposit curve, where laddering costs a little yield up front.
What is the CD Ladder Calculator based on?+
The method follows authoritative sources: FDIC — CD laddering basics. The formula and references are shown on the page so you can verify and cite the result.
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