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Savings & CDs · Certificates of Deposit

CD Ladder Calculator

Build a ladder of CDs with staggered maturities to balance yield and liquidity.

  • Free to use here · embed on the Pro plan
  • 5 inputs · 5 results
  • English & Spanish

Try the CD Ladder Calculator

See your CD ladder returns — results update as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the CD Ladder calculator works out

The CD Ladder Calculator is a free, embeddable calculator from CalcFunnel. Build a ladder of CDs with staggered maturities to balance yield and liquidity.

You enter 5 inputs: total to invest, number of CDs (rungs), shortest term (years), shortest-term rate (%) and rate increase per year (%).

It returns total at full maturity, total interest, average rate, Per-CD amount and first CD matures.

Built for banks, credit unions and advisors. Embedding it on your own website needs the Pro plan (from $150/month, with a 14-day free trial), which unlocks the Savings & CDs category.

Results it shows

  1. 01Total at Full Maturity
  2. 02Total Interest
  3. 03Average Rate
  4. 04Per-CD Amount
  5. 05First CD Matures

The first figure — total at full maturity — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Ladder Setup

Total to Invest
The total amount you spread across the ladder, split evenly among the rungs.
Number of CDs (rungs)
How many CDs in the ladder. One matures each period, giving regular access to cash.
Shortest Term (years)
The term of the first rung. Each later rung adds one more year.

Rates

Shortest-Term Rate (%)
The rate on the shortest CD.
Rate Increase per Year (%)
How much the rate rises for each additional year of term.

For your website

Embed this calculator on your website

Put the CD Ladder Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

CD Ladder calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the CD Ladder Calculator calculate?
Build a ladder of CDs with staggered maturities to balance yield and liquidity. It returns total at full maturity, total interest, average rate, Per-CD amount and first CD matures.
Q.02What information do I need to use the CD Ladder Calculator?
You enter 5 inputs: total to invest, number of CDs (rungs), shortest term (years), shortest-term rate (%) and rate increase per year (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Total to Invest” mean in the CD Ladder Calculator?
The total amount you spread across the ladder, split evenly among the rungs.
Q.04What does “Number of CDs (rungs)” mean in the CD Ladder Calculator?
How many CDs in the ladder. One matures each period, giving regular access to cash.
Q.05Is the CD Ladder Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Pro plan (from $150/month, with a 14-day free trial), which unlocks the Savings & CDs category. Compare plans.
Q.06Can I embed the CD Ladder Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the CD Ladder Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the CD Ladder results financial advice?
No. Estimates only. Assumes each rung is an equal amount held to maturity at annual compounding, with rates rising for longer terms. Actual rates and reinvestment terms vary. Confirm with your bank or credit union.

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Your website does the math. You get the lead.

The CD Ladder Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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