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CD Compound Interest Calculator

See what daily, monthly and quarterly compounding are worth.

A scadenza
30.783,67 USD
Interessi
5783,67 USD
Il tuo CD
$
%

Il tasso è indicato come

m

5 anni

Durate comuni

Frequenza di capitalizzazione

Valore a scadenza
30.783,67 USD
Interessi totali maturati
5783,67 USD
APY effettivo
4,25%

25.000,00 USD in un CD di 5 anni al 4,25% APY, con capitalizzazione giornaliera, cresce fino a 30.783,67 USD — sono 5783,67 USD di interessi, in media 96,39 USD al mese.

Saldo nel corso della durata

CapitaleInteressi
Vedi i dati in tabella
Saldo nel corso della durata
MeseCapitaleInteressiSaldo
All’apertura25.000,00 USD0,00 USD25.000,00 USD
1y25.000,00 USD1062,50 USD26.062,50 USD
2y25.000,00 USD2170,16 USD27.170,16 USD
3y25.000,00 USD3324,89 USD28.324,89 USD
4y25.000,00 USD4528,70 USD29.528,70 USD
5y25.000,00 USD5783,67 USD30.783,67 USD

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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Formule e contenuti verificati l'ultima volta il . I tassi bancari cambiano di frequente: confermi i tassi attuali direttamente con il suo istituto.

In breve

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.

Formula e metodo

Come viene calcolato

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)

Passo dopo passo

  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.

Guida

Come usare questo calcolatore

Quattro dati, risultati in tempo reale. Nulla da inviare e nessuna registrazione.
  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.

Esempi

Esempi svolti

Numeri reali, calcolati fino in fondo — così può verificare il calcolatore con le sue cifre.

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

Dati inseriti

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

Risultato

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

Dati inseriti

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

Risultato

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.

Metodologia

Accuratezza e ipotesi

Ogni calcolatore parte da alcune ipotesi. Ecco le nostre, dichiarate apertamente, così sa esattamente che cosa i numeri considerano e che cosa no.

  • 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.

Le convenzioni seguono la Regulation DD (12 CFR 1030), che disciplina il modo in cui gli istituti statunitensi comunicano l'APY sui conti di deposito. I depositi presso istituti assicurati sono protetti dalla FDIC fino a $250,000 per depositante, per banca e per categoria di titolarità.

Fonti primarie

Da dove arrivano queste regole

Le convenzioni seguite da questo calcolatore sono stabilite dalle autorità di vigilanza, non da noi. Ciascuna rimanda all'ente che l'ha emanata, così può verificarla invece di fidarsi della nostra parola.

Dettagli

Dettagli e regole principali

Informazioni rapide da conoscere prima di aprire o rinnovare 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.

Come si collegano

Concetti e calcolatori correlati

Il CD Compound Interest Calculator lavora insieme a questi strumenti correlati. Ciascuno copre per intero una parte del quadro dei CD.

Applicazioni

A chi serve questo calcolatore

  • 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.

Strumenti correlati

Tutti i calcolatori CD

Nove strumenti mirati che coprono l'intero quadro dei certificati di deposito.

FAQ

Domande frequenti sul CD Compound Interest Calculator

Risposte dirette alle domande più frequenti su questo calcolo. Trova altro nel centro 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.

Sicurezza e privacy

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Ogni calcolo di questo sito viene eseguito in JavaScript sul suo dispositivo. Non c'è alcun account, nessuna chiamata al server e nessuna analisi collegata alle cifre che inserisce.

  • Formule secondo lo standard bancario

    Usa le stesse convenzioni di interesse composto e di APY adottate dalle banche secondo la Regulation DD.

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