免费定期存款计算器
计算定期存款（CD）的到期收益，比较不同期限和利率下的回报。
USD
%
Value at Maturity
$10,500.00
利息收益$500.00
Initial Deposit
Interest Earned
Value at Maturity vs APY (Annual Percentage Yield)
公式
CD Interest Formula
Maturity Value = Deposit × (1 + APY/100)^years
CDs typically offer higher rates than savings accounts in exchange for locking up your money for a fixed term.
计算示例
$10,000 CD at 5% APY for 12 months.
- 01Value = $10,000 × (1.05)^1 = $10,500
- 02Interest earned = $500
常见问题
What happens if I withdraw early?
Early withdrawal typically incurs a penalty of 3-12 months of interest, depending on the CD term.
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