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

Рассчитайте доход по 4-, 7- и другим коротким акционным срокам.

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

На дату погашения: 10 274,40 $
Проценты: 274,40 $

Ваш депозит

Сумма вклада

Процентная ставка

Ставка указана как

Срок

мес.

7 месяцев

Стандартные сроки

Частота капитализации

Сумма на дату погашения: 10 274,40 $
Всего процентов начислено: 274,40 $
Эффективная APY: 4,75%

10 000,00 $ на вклад сроком 7 месяцев под 4,75% APY с капитализацией ежедневно вырастет до 10 274,40 $ — это 274,40 $ процентов, в среднем 39,20 $ в месяц.

Баланс в течение срока

Основная суммаПроценты

Показать цифры в виде таблицы

Баланс в течение срока
Месяц	Основная сумма	Проценты	Баланс
При открытии	10 000,00 $	0,00 $	10 000,00 $
1mo	10 000,00 $	38,75 $	10 038,75 $
3mo	10 000,00 $	116,69 $	10 116,69 $
4mo	10 000,00 $	155,89 $	10 155,89 $
6mo	10 000,00 $	234,74 $	10 234,74 $
7mo	10 000,00 $	274,40 $	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.

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Формулы и содержание последний раз проверены 21 июля 2026 г.. Банковские ставки часто меняются — уточняйте актуальные условия напрямую в своём банке.

Коротко

Сколько приносит краткосрочный CD?

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.

Формула и метод

Как это рассчитывается

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)

Шаг за шагом

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.

Инструкция

Как пользоваться калькулятором

Четыре поля, результат сразу. Ничего отправлять и нигде регистрироваться не нужно.

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.

Примеры

Разобранные примеры

Реальные числа, просчитанные до конца, — чтобы вы могли сверить калькулятор со своими собственными цифрами.

$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.

Методология

Точность и допущения

Любой калькулятор строится на допущениях. Вот наши, изложенные прямо, чтобы вы точно знали, что цифры учитывают, а что нет.

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.

Расчёты следуют Regulation DD (12 CFR 1030) — правилу, по которому американские банки раскрывают APY по депозитным счетам. Вклады в застрахованных учреждениях защищены FDIC на сумму до $250,000 на одного вкладчика в одном банке по каждой категории права собственности.

Первоисточники

Откуда берутся эти правила

Правила, которым следует этот калькулятор, устанавливаем не мы, а регуляторы. Каждое из них ведёт на сайт выпустившего его органа — чтобы вы могли всё проверить, а не верить нам на слово.

Детали

Важные детали и правила

Факты, которые стоит знать, прежде чем открывать или продлевать 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.

Как это связано

Смежные понятия и калькуляторы

Short-Term CD Calculator работает вместе с этими инструментами. Каждый из них полностью раскрывает свою часть темы CD.

Применение

Кому подойдёт этот калькулятор

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.

Связанные инструменты

Все калькуляторы CD

Девять узких инструментов, охватывающих тему депозитных сертификатов целиком.

Вопросы и ответы