CD and savings calculators

Every calculator uses the same formulas banks use and, where it helps, today's rates from the institutions we track.

• APY calculatorConvert an interest rate (APR) to annual percentage yield (APY) for daily, monthly, quarterly or annual compounding, and see what a deposit earns in a year.
• CD calculatorCalculate how much a certificate of deposit earns by maturity, before and after federal and state income tax, using today's CD rates.
• Savings interest calculatorSee how a savings account or high-yield savings account grows with an initial deposit, monthly contributions and compound interest.
• CD early withdrawal penalty calculatorCalculate a CD early withdrawal penalty and whether breaking the CD to move to a higher rate pays off before the original CD would have matured.
• T-bill vs. CD calculatorCompare a Treasury bill with a CD after federal and state tax. T-bill interest is exempt from state income tax, which can make a lower T-bill yield the better deal.
• CD auto-renewal cost calculatorWhen a promotional CD matures it often renews at a much lower standard rate. Calculate how much that costs you if you do not move the money.