FreeByte

CD ladder calculator

Spread cash across staggered maturities.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
4.2%

Per rung

$10,000

First-year interest

$2,100

With these inputs, per rung comes to $10,000 over 4 years. First-year interest works out to $2,100.

Maturing each year
$10,000
Interest per rung
$420

Over time · by average apy

What moves the number · Per rung

Input−10%Now+10%
Total to ladder$9,000$10,000$11,000
Number of rungs$11,111$10,000$9,091

Solve for an input

Whatmakesequal

Compare scenarios

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Spread cash across staggered maturities.

A worked example

Starting figures

Total to ladder
$50,000
Number of rungs
5
Average APY
4.2%

What it returns

Per rung
$10,000
First-year interest
$2,100
Maturing each year
$10,000
Interest per rung
$420

How to read the results

With the defaults above, per rung works out at $10,000.

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