CD ladder strategy calculator: optimize your Certificate of Deposit portfolio. Spread funds across CDs of different terms to balance high yields and liquidity. Client-side calculation, data never leaves your browser.
Zero Dependencies · Works OfflineCD ladder strategy (Certificate of Deposit Ladder) spreads funds evenly across CDs of different maturities. For example, split $25,000 into 5 equal parts, buying 1-year, 2-year, 3-year, 4-year, and 5-year CDs.
When the shortest CD matures, roll the principal and interest into a new long-term CD, creating a continuous ladder. This gives you one CD maturing each year — enjoying long-term CD rates while maintaining annual liquidity.
A 5-year CD locks in the rate for 5 years, but early withdrawal penalties can be severe. A CD ladder has CDs maturing each year, giving you access to long-term rates while maintaining annual liquidity.
Most banks require $500-$1,000 minimum per CD. A 5-rung ladder needs at least $2,500-$5,000. We recommend $10,000+ for meaningful interest returns ($2,000+ per rung).
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