CD Ladder Calculator
Split a CD deposit into a staggered ladder.
Your CD numbers never leave your browser — all math runs locally.Try: Principal=20000, Rungs=4 → 4, $5,000, $5,200, $5,408, $5,624, $6,083, $22,316
How to use
A ladder buys several maturities (1/2/3/5 years) so a portion unlocks constantly. Enter the rungs to see the plan.
FAQ
Why ladder?
It balances higher long-term rates with regular access to cash as rates move.
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