Calcule prazos promocionais curtos de 4, 7 e outros meses.
A taxa é informada como
7 meses
Prazos comuns
Frequência de capitalização
US$ 10.000,00 num CD de 7 meses a 4,75% APY, com capitalização diária, cresce até US$ 10.274,40 — são US$ 274,40 de juros, em média US$ 39,20 por mês.
Saldo ao longo do prazo
| Mês | Principal | Juros | Saldo |
|---|---|---|---|
| Na abertura | US$ 10.000,00 | US$ 0,00 | US$ 10.000,00 |
| 1mo | US$ 10.000,00 | US$ 38,75 | US$ 10.038,75 |
| 3mo | US$ 10.000,00 | US$ 116,69 | US$ 10.116,69 |
| 4mo | US$ 10.000,00 | US$ 155,89 | US$ 10.155,89 |
| 6mo | US$ 10.000,00 | US$ 234,74 | US$ 10.234,74 |
| 7mo | US$ 10.000,00 | US$ 274,40 | US$ 10.274,40 |
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.
Fórmulas e conteúdo revisados pela última vez em . As taxas dos bancos mudam com frequência — confirme as taxas atuais diretamente com a sua instituição.
A resposta rápida
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.
Fórmula e método
A = P(1 + r/n)^(n × months/12)
The standard formula with the term expressed as a fraction of a year.
Convert the term to years by dividing the months by 12.
Convert the advertised rate to a decimal and divide by n.
Add 1 and raise to the power of n × years.
Multiply by the deposit for the maturity value.
Subtract the deposit for the interest earned over the short term.
Guia
Use the quick-select chips for 3, 4, 6, 7 or 9 months, or set any term with the slider.
Odd terms like 7 and 13 months often carry the bank's best rate. Enter it exactly as quoted.
Change the term to 12 months to see the trade-off between a higher short rate and a longer lock-in.
Exemplos
Dados
Resultado
Seven months at 4.75% pays $274.40 — and the money is available again well before a 12-month CD would mature.
Dados
Resultado
A four-month CD is a good fit for money you have earmarked for a purchase later in the year.
Metodologia
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.
As convenções seguem a Regulation DD (12 CFR 1030), que rege como as instituições dos EUA divulgam o APY em contas de depósito. Depósitos em instituições seguradas têm proteção do FDIC de até $250,000 por depositante, por banco, por categoria de titularidade.
Fontes primárias
Detalhes
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.
Como se conecta
Aplicações
You need the money in a few months for a purchase and want more than a savings account pays.
You are chasing the odd-term specials banks use to pull in deposits.
You expect rates to move and do not want to lock in for years.
Ferramentas relacionadas
Perguntas frequentes
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.
Segurança e privacidade
Usa as mesmas convenções de juros compostos e APY que os bancos seguem sob a Regulation DD.
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Promotional short terms can out-pay a 12-month CD. See what 4 or 7 months at your bank's rate actually earns.