Certificate of deposit, money market, and savings bond calculators. Browse our free deposits & cds tools below — all calculators are instant, accurate, and require no sign-up.
Certificate of Deposit (CD) Calculator — Free CD calculator. Calculate interest earned and maturity value for any certificate of deposit with flexible terms, rates, and compounding frequencies.
CD Early Withdrawal Penalty Calculator — Free CD early withdrawal penalty calculator. See exactly how much interest you forfeit and your net return if you break a certificate of deposit before maturity.
CD Ladder Calculator — Free CD ladder calculator. Build a certificate of deposit ladder strategy with staggered maturities to balance higher rates with regular liquidity access.
CD Penalty Break-Even Calculator — Free CD penalty break-even calculator. Find out when breaking a CD early for a higher-rate alternative will pay off by comparing CD interest minus the penalty against a new savings or CD rate.
Deposit Growth Calculator — Free deposit growth calculator. See how regular deposits grow over time in an interest-bearing account with a clear breakdown of contributions vs interest earned.
I-Bond Calculator — Free I-Bond calculator. Project your Series I savings bond value with the composite rate formula, semiannual compounding, $10,000 annual limit, and early redemption penalties.
Money Market Return Calculator — Free money market return calculator. Project returns on money market accounts with tiered rates for different balance thresholds and compound interest.
Savings Bond Value Calculator — Free savings bond value calculator. Estimate the current value of Series EE and Series I savings bonds based on issue date, denomination, and applicable interest rates.
Series EE Savings Bond Calculator — Free Series EE savings bond calculator. Project your EE bond value using the fixed rate and the guaranteed doubling at 20 years, with early redemption penalty analysis.
Treasury Bill Return Calculator — Free Treasury bill return calculator. Convert T-bill discount prices to actual yield, compare 4-week to 52-week maturities, and see your real return on Treasury bills.