Are CDs safe from stock market crashes?

Yes. CDs from FDIC-insured banks or NCUA-insured credit unions are backed by the full faith and credit of the US government up to $250,000 per depositor.

Updated: August 2026 • Verified v1.2

Certificate of Deposit (CD) Ladder Strategy Calculator

Finance & MathPopular

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Tranche = Capital / N; Blended_APY = sum(APY_i) / N; Maturity_Value = Tranche * (1 + APY_i)^(Years_i)

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Understanding Your Results

Calculates amount per tranche, blended portfolio APY, annual passive interest income, cumulative maturity earnings, and rolling liquidity intervals.

Practical Guidance & Next Steps

A CD ladder provides higher interest rates of long-term CDs while freeing up a portion of your cash every 6 or 12 months for regular liquidity.

What is this?

A fixed-income investment utility that calculates yields and rolling maturities for CD ladder strategies.

How does it work?

1. Enter total capital to invest (e.g. $25,000). 2. Customize APY rates across 1 to 5-year CD tranches. 3. View blended APY, annual interest income, and rolling maturity liquidity.

Why use it?

Combines maximum long-term CD yields with predictable short-term cash access.

Technical Scope & Calculation Limitations

Models standard fixed-rate Certificate of Deposit compound yields.

Frequently Asked Questions

A CD ladder is an investment strategy where you divide a sum of money into equal portions across multiple Certificates of Deposit with different maturity dates (e.g. 1, 2, 3, 4, and 5 years).

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