How much does a 7-month CD pay?

A 7-month CD pays seven twelfths of a year's compounding, calculated through A = P(1 + r/n)^(nt) with t set to 7 ÷ 12. At 4.75% APY, a $10,000 deposit earns $274.40 over the term; at 4.50% APY the same deposit earns $260.09. The interest is genuinely lower than a 12-month CD would pay, but the money is free again after seven months rather than twelve, and that optionality is the point. Odd terms like this are usually promotional — banks use them to attract deposits without repricing their standard shelf — so the advertised rate is often above the 12-month rate. The thing to diary is the renewal: a promotional 7-month CD that rolls over typically reverts to the bank's standard rate for that term, which can be considerably lower.

How much does a 4-month CD pay?

A 4-month CD pays a third of a year's compounding through A = P(1 + r/n)^(nt), with t set to 4 ÷ 12. At 4.50% APY a $10,000 deposit earns $147.80 over the term; at 4.25% APY the same deposit earns $139.71. The absolute figure is small because the term is short, so the practical question is rarely whether four months beats twelve on interest — it does not — but whether the rate beats what a savings account would pay you over the same window while keeping the money accessible. Short promotional terms often carry rates above the standard 12-month offer, which is what makes them worth checking. Penalties on terms under a year are typically around three months of interest, so leaving early on a 4-month CD can wipe out most of the return.

Why do banks offer odd terms like 4, 7 and 13 months?

Because an odd term lets a bank raise its rate for new deposits without repricing the CDs it already sells. If a bank advertises a higher rate on its standard 12-month CD, it invites every existing customer to ask why they are not getting it. A 7-month or 13-month promotional CD is a different product, so the standard shelf stays where it is. That is why promotional odd terms frequently pay more than the neighbouring standard terms — a 7-month CD at 4.75% APY earning $274.40 on $10,000 can beat a 12-month offer on an annualised basis. The catch is on renewal: these CDs typically roll into the bank's standard term at the standard rate, which is often well below the promotional one. Diary the maturity date when you open it.

Short-Term CD Calculator

Calcoli le durate promozionali brevi: 4, 7 mesi e altre.

Price 3, 4, 6, 7 and 9-month CDs — including the odd promotional terms banks use to win new deposits.

A scadenza: 10.274,40 USD
Interessi: 274,40 USD

Il tuo CD

Importo del deposito

Tasso di interesse

Il tasso è indicato come

Durata

7 mesi

Durate comuni

Frequenza di capitalizzazione

Valore a scadenza: 10.274,40 USD
Interessi totali maturati: 274,40 USD
APY effettivo: 4,75%

10.000,00 USD in un CD di 7 mesi al 4,75% APY, con capitalizzazione giornaliera, cresce fino a 10.274,40 USD — sono 274,40 USD di interessi, in media 39,20 USD al mese.

Saldo nel corso della durata

CapitaleInteressi

Vedi i dati in tabella

Saldo nel corso della durata
Mese	Capitale	Interessi	Saldo
All’apertura	10.000,00 USD	0,00 USD	10.000,00 USD
1mo	10.000,00 USD	38,75 USD	10.038,75 USD
3mo	10.000,00 USD	116,69 USD	10.116,69 USD
4mo	10.000,00 USD	155,89 USD	10.155,89 USD
6mo	10.000,00 USD	234,74 USD	10.234,74 USD
7mo	10.000,00 USD	274,40 USD	10.274,40 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.

Gratis — senza registrazione
Si aggiorna mentre digiti
Funziona nel tuo browser

Formule e contenuti verificati l'ultima volta il 21 luglio 2026. I tassi bancari cambiano di frequente: confermi i tassi attuali direttamente con il suo istituto.

In breve

Quanto rende un CD a breve termine?

A short-term CD of 3 to 9 months earns a pro-rated share of its annual rate through A = P(1 + r/n)^(nt), where t is the term in months divided by 12. A $10,000 deposit in a 7-month CD at 4.75% APY earns $274.40; the same $10,000 at 4.50% APY over 6 months earns $222.52. Odd terms like 4, 7 or 13 months are usually promotional — banks use them to win deposits without repricing their standard shelf — so the headline rate is often above the 12-month rate and reverts to the standard rate on renewal if you let it roll. That renewal is the thing to diary. The trade-off against a longer CD is that you keep flexibility and reinvestment optionality, and give up the certainty of holding a known rate for longer.

Formula e metodo

Come viene calcolato

A = P(1 + r/n)^(n × months/12)

The standard formula with the term expressed as a fraction of a year.

A: Value at maturity
P: Your deposit
r: Annual rate as a decimal
n: Compounding periods per year
months/12: Term converted to years (7 months → 0.5833)

Passo dopo passo

1
Convert the term to years by dividing the months by 12.
2
Convert the advertised rate to a decimal and divide by n.
3
Add 1 and raise to the power of n × years.
4
Multiply by the deposit for the maturity value.
5
Subtract the deposit for the interest earned over the short term.

Guida

Come usare questo calcolatore

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

1
Pick your short term
Use the quick-select chips for 3, 4, 6, 7 or 9 months, or set any term with the slider.
2
Enter the promotional rate
Odd terms like 7 and 13 months often carry the bank's best rate. Enter it exactly as quoted.
3
Compare against a 12-month CD
Change the term to 12 months to see the trade-off between a higher short rate and a longer lock-in.

Esempi

Esempi svolti

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

$10,000 in a 7-month promotional CD at 4.75% APY

Deposit: $10,000
Rate: 4.75% APY
Term: 7 months

Interest earned: $274.40
Maturity value: $10,274.40

Seven months at 4.75% pays $274.40 — and the money is available again well before a 12-month CD would mature.

$10,000 in a 4-month CD at 4.25% APY

Deposit: $10,000
Rate: 4.25% APY
Term: 4 months

Interest earned: $139.71
Maturity value: $10,139.71

A four-month CD is a good fit for money you have earmarked for a purchase later in the year.

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 promotional rate applies for the full stated term.
The CD does not auto-renew at the promotional rate — renewals almost always drop to the standard rate for that term.
The deposit meets any minimum required to qualify for the promotional rate.

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.

Odd terms such as 4, 7, 11 and 13 months are deliberate: they are promotional products designed to attract new deposits, and they often out-pay the standard 12-month CD.
Watch the renewal terms. A 7-month CD at 4.75% typically rolls into a 6-month CD at a much lower standard rate unless you act during the grace period.
Early withdrawal penalties on short CDs are smaller — usually around 3 months of interest — but they represent a larger share of the total interest.
Short CDs suit money with a known deadline; if the date is unknown, a no-penalty CD or high-yield savings account may fit better.

Come si collegano

Concetti e calcolatori correlati

Il Short-Term CD Calculator lavora insieme a questi strumenti correlati. Ciascuno copre per intero una parte del quadro dei CD.

Applicazioni

A chi serve questo calcolatore

Deadline savers
You need the money in a few months for a purchase and want more than a savings account pays.
Promo-rate hunters
You are chasing the odd-term specials banks use to pull in deposits.
Rate-rise watchers
You expect rates to move and do not want to lock in for years.

Strumenti correlati

Tutti i calcolatori CD

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

FAQ

Domande frequenti sul Short-Term CD Calculator

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

A 7-month CD pays seven twelfths of a year's compounding, calculated through A = P(1 + r/n)^(nt) with t set to 7 ÷ 12. At 4.75% APY, a $10,000 deposit earns $274.40 over the term; at 4.50% APY the same deposit earns $260.09. The interest is genuinely lower than a 12-month CD would pay, but the money is free again after seven months rather than twelve, and that optionality is the point. Odd terms like this are usually promotional — banks use them to attract deposits without repricing their standard shelf — so the advertised rate is often above the 12-month rate. The thing to diary is the renewal: a promotional 7-month CD that rolls over typically reverts to the bank's standard rate for that term, which can be considerably lower.
A 4-month CD pays a third of a year's compounding through A = P(1 + r/n)^(nt), with t set to 4 ÷ 12. At 4.50% APY a $10,000 deposit earns $147.80 over the term; at 4.25% APY the same deposit earns $139.71. The absolute figure is small because the term is short, so the practical question is rarely whether four months beats twelve on interest — it does not — but whether the rate beats what a savings account would pay you over the same window while keeping the money accessible. Short promotional terms often carry rates above the standard 12-month offer, which is what makes them worth checking. Penalties on terms under a year are typically around three months of interest, so leaving early on a 4-month CD can wipe out most of the return.
Because an odd term lets a bank raise its rate for new deposits without repricing the CDs it already sells. If a bank advertises a higher rate on its standard 12-month CD, it invites every existing customer to ask why they are not getting it. A 7-month or 13-month promotional CD is a different product, so the standard shelf stays where it is. That is why promotional odd terms frequently pay more than the neighbouring standard terms — a 7-month CD at 4.75% APY earning $274.40 on $10,000 can beat a 12-month offer on an annualised basis. The catch is on renewal: these CDs typically roll into the bank's standard term at the standard rate, which is often well below the promotional one. Diary the maturity date when you open it.

Sicurezza e privacy

I suoi numeri non lasciano mai il browser

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.
100% gratuito, senza accesso
Nessuna registrazione, nessun muro di email, nessun abbonamento. Ogni calcolatore è pienamente utilizzabile fin dalla prima visita.
I suoi dati non lasciano mai il browser
Ogni calcolo avviene lato client in JavaScript. Nulla viene inviato a un server o conservato.

Distribuito via HTTPS senza contenuti misti. Legga la nostra informativa sulla privacy oppure consulti le formule e la metodologia dietro ogni cifra.

Short lock-in, real interest

Promotional short terms can out-pay a 12-month CD. See what 4 or 7 months at your bank's rate actually earns.

Calculate My Short-Term CD Torna al CD Calculator

Short-Term CD Calculator

Quanto rende un CD a breve termine?

Come viene calcolato

Passo dopo passo

Come usare questo calcolatore

Pick your short term

Enter the promotional rate

Compare against a 12-month CD