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CD Calculator

CD Yield Calculator

Turn a quoted CD rate into the yield you actually keep.

Saat jatuh tempo
US$53.106,31
Bunga
US$3.106,31
Deposito Anda
$
%

Suku bunga dinyatakan sebagai

bln

1 tahun 6 bln

Jangka waktu umum

Frekuensi bunga majemuk

Nilai saat jatuh tempo
US$53.106,31
Total bunga diperoleh
US$3.106,31
APY efektif
4,10%

US$50.000,00 dalam deposito 1 tahun 6 bln pada 4,10% APY, dimajemukkan harian, tumbuh menjadi US$53.106,31 — yaitu US$3.106,31 bunga, rata-rata US$172,57 per bulan.

Saldo selama jangka waktu

PokokBunga
Lihat angka dalam bentuk tabel
Saldo selama jangka waktu
BulanPokokBungaSaldo
Saat pembukaanUS$50.000,00US$0,00US$50.000,00
4moUS$50.000,00US$674,20US$50.674,20
7moUS$50.000,00US$1.185,81US$51.185,81
11moUS$50.000,00US$1.876,00US$51.876,00
14moUS$50.000,00US$2.399,75US$52.399,75
18moUS$50.000,00US$3.106,31US$53.106,31

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 do you calculate the yield on a CD?

A CD's yield is the interest it pays expressed as a percentage of the deposit, and there are three versions of it that get confused with one another. Total yield over the term is simply interest ÷ principal: a $50,000 CD at 4.10% for 18 months earns $3,171.34, a total yield of 6.343%. Annualised yield — the APY — restates that as a per-year figure so terms of different lengths can be compared, here 4.185%. After-tax yield subtracts what you owe, and for most savers it is the only one that describes reality: at a 24% marginal rate the same CD keeps $2,410.22, an after-tax APY of roughly 3.181%. The reason the distinction matters is that CD interest is taxed as ordinary income at your full marginal rate in the year it is credited, not at the long-term capital gains rate, so the headline yield on a CD is further from the yield you keep than on almost any other saving instrument.

Rumus & metode

Cara menghitungnya

Yield = (A − P) / P

Total yield over the term. Annualising it gives the APY: (A/P)^(1/t) − 1.

A
Maturity value at the end of the term
P
Principal — your opening deposit
t
Term in years, used to annualise
APY
Annualised yield — the per-year rate the term-yield implies
τ
Your marginal tax rate; after-tax yield ≈ APY × (1 − τ)

Langkah demi langkah

  1. 1

    Compute the maturity value A with A = P(1 + r/n)^(nt).

  2. 2

    Subtract the principal to get the interest the CD paid.

  3. 3

    Divide by the principal. That is the total yield across the whole term.

  4. 4

    Raise (A/P) to the power 1/t and subtract 1 to annualise it into an APY.

  5. 5

    Multiply the APY by (1 − your marginal tax rate) for the after-tax yield.

Panduan

Cara memakai kalkulator ini

Empat input, hasil langsung. Tidak ada yang perlu dikirim dan tidak perlu mendaftar.
  1. 1

    Enter your deposit and rate

    Type the amount and the rate from the bank's rate sheet, setting the toggle to match whether they quoted an APY or a nominal APR.

  2. 2

    Set the exact term

    Yield is only comparable once it is annualised, and annualising needs the true term. A 13-month promotional CD is not a one-year CD.

  3. 3

    Read the effective APY

    The effective APY tile is the annualised yield. This is the figure to carry across to any other offer, whatever term it runs for.

  4. 4

    Apply your tax rate

    Multiply the APY by one minus your marginal rate. Compare that against a Treasury or municipal alternative, which are taxed differently.

Contoh

Contoh perhitungan

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

An 18-month CD, shown as term yield, annual yield and after-tax yield

Input

Deposit
$50,000
Rate
4.10% nominal, compounded daily
Term
18 months
Marginal tax rate
24%

Hasil

Interest earned
$3,171.34
Total yield over the term
6.343%
Annualised yield (APY)
4.185%
After-tax yield
≈ 3.181%

The three figures describe the same CD and differ by more than three percentage points. Quoting the 6.343% makes the CD look better than a one-year account paying 4.30%; annualising shows it is slightly worse. Always compare annualised.

Two offers on different terms, made comparable by annualising

Input

Offer A
$50,000, 7-month promo at 4.60% APY
Offer B
$50,000, 18-month at 4.10% nominal

Hasil

Offer A — interest
$1,329.08
Offer A — annualised yield
4.600%
Offer B — interest
$3,171.34
Offer B — annualised yield
4.185%

Offer B pays more than twice the dollars, and is the worse rate. That is the whole reason annualised yield exists. Offer A wins on yield but leaves you re-investing after seven months at whatever rate exists then — the trade-off the annualised figure cannot show you.

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 after-tax figure applies a single flat marginal rate to all the interest. Real returns straddle brackets, and state income tax is on top of federal.

  • Yield is calculated on the opening deposit. If you add to the CD, or if the bank pays interest out rather than compounding it, the yield on your average balance differs.

  • The rate is fixed and the CD is held to maturity. An early withdrawal penalty can push the realised yield below zero on a short holding period.

  • No fee is assumed. Maintenance fees on a CD are rare but not extinct, and they come straight off the yield.

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.

  • Yield and rate are not synonyms. The rate is what the bank applies; the yield is what you end up with after compounding, term length and — if you count it — tax.

  • CD interest is taxed as ordinary income in the year it is credited, reported on Form 1099-INT. On a multi-year CD you owe tax annually even though you cannot touch the money until maturity, which is a genuine cash-flow consideration on long terms.

  • Comparing a CD against a Treasury bill needs the tax treatment included. T-bill interest is exempt from state and local income tax, so in a high-tax state a Treasury yielding slightly less than a CD can keep more.

  • "High-yield CD" is a marketing phrase with no regulatory definition. It usually signals an online bank with no branch network, which is a real cost advantage — but check the minimum deposit and whether the rate is promotional.

  • Credit unions call the payout a dividend rather than interest and quote a dividend rate alongside an APY. The APY is calculated the same way and remains the figure to compare.

Bagaimana kaitannya

Konsep dan kalkulator terkait

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

Penerapan

Untuk siapa kalkulator ini

  • Savers comparing terms that do not match

    A 7-month promo against an 18-month standard cannot be judged on interest earned. Annualise both here and the ranking often flips.

  • Anyone in a higher tax bracket

    At a 32% or 37% marginal rate the after-tax gap between a CD and a municipal bond fund narrows sharply. Knowing your after-tax yield is what makes that comparison honest.

  • Retirees living on interest

    Income planning runs on the yield you keep, not the yield advertised. Work from the after-tax figure and the monthly interest line when you build the budget.

Alat terkait

Seluruh kalkulator CD

Sembilan alat terfokus yang mencakup keseluruhan gambaran sertifikat deposito.

FAQ

FAQ CD Yield Calculator

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

  • Divide the interest earned by the amount deposited. A $50,000 CD paying $3,171.34 has a total yield of 6.343% over its term. To compare it with any other CD, annualise it: (A/P)^(1/t) − 1, which for an 18-month term gives 4.185% per year.

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.

See the yield you actually keep

Term yield, annualised yield and the after-tax figure, computed on your own deposit in your own browser.

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