Aller au contenu
CD Calculator

CD Compound Interest Calculator

See what daily, monthly and quarterly compounding are worth.

À l'échéance
30 783,67 $US
Intérêts
5 783,67 $US
Votre CD
$
%

Le taux est exprimé en

m

5 ans

Durées courantes

Fréquence de capitalisation

Valeur à l'échéance
30 783,67 $US
Intérêts totaux gagnés
5 783,67 $US
APY effectif
4,25%

25 000,00 $US dans un CD sur 5 ans à 4,25% APY, capitalisé quotidienne, atteint 30 783,67 $US — soit 5 783,67 $US d’intérêts, en moyenne 96,39 $US par mois.

Solde sur la durée

CapitalIntérêts
Afficher les chiffres sous forme de tableau
Solde sur la durée
MoisCapitalIntérêtsSolde
À l’ouverture25 000,00 $US0,00 $US25 000,00 $US
1y25 000,00 $US1 062,50 $US26 062,50 $US
2y25 000,00 $US2 170,16 $US27 170,16 $US
3y25 000,00 $US3 324,89 $US28 324,89 $US
4y25 000,00 $US4 528,70 $US29 528,70 $US
5y25 000,00 $US5 783,67 $US30 783,67 $US

Calculated in your browser using A = P(1 + r/n)nt. Nothing is sent to a server. Figures are before tax; confirm exact terms with your bank.

  • Gratuit — sans inscription
  • Mise à jour instantanée
  • Fonctionne dans votre navigateur

Formules et contenu vérifiés pour la dernière fois le . Les taux bancaires évoluent fréquemment — confirmez les taux en vigueur directement auprès de votre établissement.

La réponse en bref

How does compound interest work on a CD?

CD compound interest is calculated with A = P(1 + r/n)^(nt), where n is how many times a year the bank credits interest — 365 for daily, 12 for monthly, 4 for quarterly. Each credit joins the principal and earns interest for the rest of the term, which is why the same nominal rate produces a different maturity value at each frequency. The gap is real but small, and most savers overweight it. A $25,000 CD at 4.25% for one year matures at $26,085.34 compounded daily against $26,062.50 compounded annually — $22.84 apart. Stretch that to five years and the gap widens to $135.11, because the effect is cumulative. What matters far more is which number the bank quoted you. If the 4.25% is an APY it already contains the compounding, and switching the frequency changes nothing about your payout; if it is a nominal APR, the frequency is what turns it into the yield you actually receive.

Formule et méthode

Comment le calcul est effectué

A = P(1 + r/n)^(nt)

Compounding frequency enters only through n. Everything else is the standard CD growth formula.

A
Maturity value after compounding
P
Principal — your opening deposit
r
Nominal annual rate as a decimal (4.25% → 0.0425)
n
Credits per year — daily 365, monthly 12, quarterly 4, annual 1
t
Term in years (60 months → 5)

Étape par étape

  1. 1

    Divide the nominal rate by n to get the rate applied at each credit.

  2. 2

    Add 1. This is the growth factor for a single compounding period.

  3. 3

    Raise it to the power n × t — the number of credits across the whole term.

  4. 4

    Multiply by the principal for the maturity value.

  5. 5

    To isolate the compounding effect, run the same figures at n = 1 and subtract.

Mode d'emploi

Comment utiliser ce calculateur

Quatre données, des résultats en direct. Rien à valider et aucune inscription.
  1. 1

    Enter the deposit and the nominal rate

    Use the bank's rate sheet. Set the toggle to APR if the figure is a nominal rate — compounding frequency only changes the answer when the input is an APR.

  2. 2

    Set the term

    Compounding is cumulative, so the frequency matters more the longer the term. On anything under a year the difference is usually pennies on a five-figure deposit.

  3. 3

    Switch the compounding control

    Move between daily, monthly and quarterly and watch the maturity value and effective APY update. That movement is the entire value of the frequency.

  4. 4

    Compare against the rate gap

    Note the dollar difference, then compare it to what a 0.10% higher rate at another bank would pay. The rate almost always wins.

Exemples

Exemples chiffrés

Des chiffres réels, calculés de bout en bout — pour que vous puissiez vérifier le calculateur avec vos propres montants.

The same $25,000 one-year CD at 4.25% nominal, credited at three different frequencies

Données saisies

Deposit
$25,000
Nominal rate (APR)
4.25%
Term
12 months

Résultat

Daily (n = 365)
$26,085.34
Monthly (n = 12)
$26,083.44
Quarterly (n = 4)
$26,079.55
Annually (n = 1)
$26,062.50

Daily beats annual by $22.84 on a $25,000 deposit — about 0.09% of the balance. Daily beats monthly by $1.89. A bank offering 4.35% compounded annually pays more than one offering 4.25% compounded daily, which is why the rate is the first thing to compare and the frequency is the second.

The same comparison stretched to a five-year term

Données saisies

Deposit
$25,000
Nominal rate (APR)
4.25%
Term
60 months

Résultat

Daily (n = 365)
$30,918.77
Annually (n = 1)
$30,783.67
Difference
$135.11

Five times the term produces roughly six times the compounding gap, because each year's extra interest compounds again in the years that follow. It is still only 0.44% of the closing balance — meaningful on a long term, rarely decisive.

Méthodologie

Exactitude et hypothèses

Tout calculateur repose sur des hypothèses. Voici les nôtres, énoncées clairement, pour que vous sachiez exactement ce que les chiffres prennent en compte et ce qu'ils ignorent.

  • The rate is fixed for the whole term and every credit is retained in the CD rather than paid out.

  • Daily compounding uses a 365-day year, the convention used by most US banks. A handful use 360, which lowers the result very slightly.

  • Interest is credited on a regular schedule with no partial first period. Real CDs open mid-month and the first credit is prorated.

  • Figures are gross of tax. CD interest is taxable in the year it is credited, even if you cannot withdraw it until maturity.

Les conventions suivent la Regulation DD (12 CFR 1030), qui encadre la façon dont les établissements américains communiquent l'APY des comptes de dépôt. Les dépôts effectués auprès d'établissements assurés sont protégés par la FDIC jusqu'à $250,000 par déposant, par banque et par catégorie de propriété.

Sources primaires

D'où viennent ces règles

Les conventions que suit ce calculateur sont fixées par les régulateurs, pas par nous. Chacune renvoie à l'organisme émetteur afin que vous puissiez la vérifier plutôt que de nous croire sur parole.

Détails

Points clés et règles à connaître

Des faits à parcourir rapidement, à connaître avant d'ouvrir ou de renouveler un CD.

  • Compounding frequency and interest payout frequency are different settings. A CD can compound daily but pay out monthly, in which case the paid interest leaves the account and stops compounding — that is a simple-interest CD in practice, and its maturity value is lower.

  • If the bank quotes an APY, the compounding is already baked in. Regulation DD requires the APY to reflect the institution's own compounding method, which is exactly why the APY exists: it makes two differently-compounded CDs directly comparable.

  • Continuous compounding, A = Pe^(rt), is the mathematical ceiling. At 4.25% for one year it returns $26,085.40 — six cents above daily on $25,000. There is nothing left for a bank to win by compounding more often than daily.

  • The compounding gap scales with the balance, not with the rate. On $250,000 rather than $25,000, the five-year daily-versus-annual difference becomes $1,351.05 — the same 0.44%, but now large enough to be worth asking about.

  • Some credit unions compound quarterly and describe the payout as a dividend rather than interest. The arithmetic is identical; only the terminology and the insuring agency (NCUA instead of FDIC) change.

Les liens entre les notions

Notions et calculateurs associés

Le CD Compound Interest Calculator fonctionne de pair avec ces outils associés. Chacun traite en détail une partie du sujet des CD.

Cas d'usage

À qui s'adresse ce calculateur

  • Savers comparing two near-identical offers

    When two banks are 0.05% apart, the compounding schedule is the tiebreaker people reach for. Run both here first — the frequency usually moves the answer less than the rate gap does, which settles it quickly.

  • Anyone handed a nominal rate

    Brokered CDs and credit-union share certificates are often quoted as a nominal rate with a stated compounding schedule rather than an APY. This page converts that pair into the maturity value the quote actually implies.

  • Long-term and retirement savers

    On a five- or ten-year CD the compounding effect stops being rounding. If the deposit is large and the term long, the frequency is worth confirming in writing before you sign.

Outils associés

Tous les calculateurs de CD

Neuf outils ciblés qui couvrent l'ensemble du sujet des certificats de dépôt.

FAQ

FAQ — CD Compound Interest Calculator

Des réponses directes aux questions les plus posées sur ce calcul. Pour aller plus loin, consultez la FAQ générale.

  • Most US banks compound CD interest daily on a 365-day basis, then credit it to the account monthly or quarterly. Credit unions more often compound quarterly. The rate sheet or the Truth in Savings disclosure states both the compounding method and the crediting schedule, and Regulation DD requires the bank to disclose them.

Sécurité et confidentialité

Vos chiffres ne quittent jamais votre navigateur

Chaque calcul de ce site s'exécute en JavaScript sur votre propre appareil. Il n'y a ni compte, ni appel serveur, ni mesure d'audience associée aux chiffres que vous saisissez.

  • Formules aux normes bancaires

    Utilise les mêmes conventions d'intérêts composés et d'APY que les banques soumises à la Regulation DD.

  • 100 % gratuit, sans connexion

    Aucune inscription, aucun mur d'e-mail, aucun paywall. Chaque calculateur est pleinement utilisable dès la première visite.

  • Vos données ne quittent jamais votre navigateur

    Chaque calcul s'exécute côté client en JavaScript. Rien n'est envoyé à un serveur ni conservé.

Diffusé en HTTPS, sans contenu mixte. Lisez notre politique de confidentialité ou consultez les formules et la méthodologie qui sous-tendent chaque chiffre.

Stop guessing what compounding is worth

Switch between daily, monthly and quarterly on your own deposit and see the difference in dollars rather than in theory.

Compare Compounding NowRetour au CD Calculator