Advanced CD Calculator

Evaluate one or more CDs with contributions, taxes, inflation impact, penalty assumptions, and side-by-side comparisons.

Formulas Used

- Compound Growth: FV = PV(1+r/n)^(nt) plus contribution growth.
- APY = (1 + r/n)^n - 1.
- After-Tax Interest = Total Interest - Interest Tax.
- Real Value = Nominal Value / (1 + inflation)^years.

Planning Notes

- Compare APY and after-tax returns, not only nominal rate.
- Contribution frequency can materially change ending value.
- Inflation-adjusted value helps gauge real purchasing power.
- Penalty assumptions matter for early-withdrawal scenarios.

Bank A CD

CD Name

Principal

Interest Rate (%)

Term (Years)

Compounding Frequency

Contribution Amount

Contribution Frequency

Tax Rate on Interest (%)

Inflation Rate (%)

Penalty Amount

Penalty Type

Currency

Calculation History

Date	Future Value	After-Tax Interest	Real Value
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