About Us

We build calculators for every stage of a CD, from estimating interest and APY to planning a ladder, projecting a maturity date, and weighing an early withdrawal penalty. Each tool is paired with clear guidance written for real savers, not finance experts. Everything on the site is free to use, with no sign up required.

We are an independent, informational resource. We are not a bank, a credit union, or a financial advisor, and we do not sell financial products. Our content is researched from primary, authoritative sources, including the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Internal Revenue Service (IRS), and the Federal Reserve.

Our calculators use standard, published financial formulas, such as the compound interest formula and the annual percentage yield formula defined under the federal Truth in Savings Act. For a full breakdown of our formulas and data sources, see our Sources and Methodology page.

Every page is written to be clear, neutral, and useful. We explain how CDs work without pushing any bank or product. We review our content and formulas regularly and update them as rules or rates change. When we describe a figure such as an insurance limit or a tax rule, we cite the government source it comes from.

The CD Calculator is built and maintained independently. It is not run by a bank, a lender, or a financial services company, and no financial institution has any influence over what we publish.

We are web developers, not financial professionals, and we hold no financial credentials. What we do is take published, standard financial formulas and turn them into calculators that are quick to use, then explain the rules behind them in plain English, with every figure traced back to an official source.

This site is currently free to use and runs without advertising or affiliate income. No bank or financial company pays to be mentioned here, and nothing on the site is paid placement. If that ever changes, we will say so clearly on this page.

We welcome questions, corrections, and feedback. You can reach us through our Contact Us page or by email at [email protected].