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CD Calculator

CD Compound Interest Calculator

See what daily, monthly and quarterly compounding are worth.

Saat jatuh tempo
US$30.783,67
Bunga
US$5.783,67
Deposito Anda
$
%

Suku bunga dinyatakan sebagai

bln

5 tahun

Jangka waktu umum

Frekuensi bunga majemuk

Nilai saat jatuh tempo
US$30.783,67
Total bunga diperoleh
US$5.783,67
APY efektif
4,25%

US$25.000,00 dalam deposito 5 tahun pada 4,25% APY, dimajemukkan harian, tumbuh menjadi US$30.783,67 — yaitu US$5.783,67 bunga, rata-rata US$96,39 per bulan.

Saldo selama jangka waktu

PokokBunga
Lihat angka dalam bentuk tabel
Saldo selama jangka waktu
BulanPokokBungaSaldo
Saat pembukaanUS$25.000,00US$0,00US$25.000,00
1yUS$25.000,00US$1.062,50US$26.062,50
2yUS$25.000,00US$2.170,16US$27.170,16
3yUS$25.000,00US$3.324,89US$28.324,89
4yUS$25.000,00US$4.528,70US$29.528,70
5yUS$25.000,00US$5.783,67US$30.783,67

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.

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Rumus dan konten terakhir ditinjau . Suku bunga bank sering berubah — pastikan suku bunga terkini langsung ke lembaga Anda.

Jawaban singkatnya

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.

Rumus & metode

Cara menghitungnya

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)

Langkah demi langkah

  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.

Panduan

Cara memakai kalkulator ini

Empat input, hasil langsung. Tidak ada yang perlu dikirim dan tidak perlu mendaftar.
  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.

Contoh

Contoh perhitungan

Angka nyata, dihitung sampai tuntas — agar Anda bisa mencocokkan kalkulator ini dengan angka Anda sendiri.

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

Input

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

Hasil

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

Input

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

Hasil

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.

Metodologi

Akurasi & asumsi

Setiap kalkulator memakai asumsi. Berikut asumsi kami, dinyatakan secara terbuka, agar Anda tahu persis apa yang diperhitungkan dan apa yang tidak.

  • 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.

Konvensinya mengikuti Regulation DD (12 CFR 1030), yang mengatur cara lembaga keuangan AS mengungkapkan APY pada rekening simpanan. Simpanan di lembaga yang dijamin dilindungi FDIC hingga $250,000 per penyimpan, per bank, per kategori kepemilikan.

Sumber primer

Dari mana aturan ini berasal

Konvensi yang diikuti kalkulator ini ditetapkan oleh regulator, bukan oleh kami. Masing-masing tertaut ke lembaga penerbitnya agar Anda bisa memeriksanya sendiri, bukan sekadar percaya pada kami.

Detail

Detail dan aturan penting

Fakta ringkas yang perlu diketahui sebelum Anda membuka atau memperpanjang 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.

Bagaimana kaitannya

Konsep dan kalkulator terkait

CD Compound Interest Calculator bekerja berdampingan dengan alat terkait berikut. Masing-masing membahas satu bagian dari gambaran CD secara lengkap.

Penerapan

Untuk siapa kalkulator ini

  • 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.

Alat terkait

Seluruh kalkulator CD

Sembilan alat terfokus yang mencakup keseluruhan gambaran sertifikat deposito.

FAQ

FAQ CD Compound Interest Calculator

Jawaban langsung untuk pertanyaan yang paling sering diajukan tentang perhitungan ini. Selengkapnya di pusat FAQ.

  • 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.

Keamanan & privasi

Angka Anda tidak pernah keluar dari peramban Anda

Setiap perhitungan di situs ini berjalan sebagai JavaScript di perangkat Anda sendiri. Tidak ada akun, tidak ada panggilan ke server, dan tidak ada analitik yang menempel pada angka yang Anda masukkan.

  • Rumus berstandar bank

    Memakai konvensi bunga majemuk dan APY yang sama seperti bank di bawah Regulation DD.

  • 100% gratis, tanpa login

    Tanpa pendaftaran, tanpa dinding email, tanpa dinding berbayar. Setiap kalkulator bisa langsung dipakai sepenuhnya pada kunjungan pertama.

  • Data Anda tidak pernah keluar dari peramban

    Setiap perhitungan berjalan di sisi klien dengan JavaScript. Tidak ada yang dikirim ke server atau disimpan.

Disajikan melalui HTTPS tanpa konten campuran. Baca kebijakan privasi kami atau lihat rumus dan metodologi di balik setiap angka.

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.

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