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CD calculator

Calculator Updated October 22, 2026

This CD calculator estimates how much interest a certificate of deposit (CD) may earn and what it may be worth at maturity based on the deposit amount, term in months and annual percentage yield (APY) you enter. A CD is a savings product that pays interest on a deposit, usually at a fixed rate, for a specified period of time, or term.

CDs differ from savings accounts because the money must remain untouched for the entire term. Withdrawals made before the end of the term may result in a penalty. Use the CD calculator to estimate how much a CD may be worth when it matures.


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How to use the CD calculator

Use the calculator to see an estimate based on the information you enter.

  1. Enter your deposit amount.
  2. Enter the CD term in months.
  3. Enter the annual percentage yield (APY).
  4. Review the summary statement and chart, which update automatically.

The annual percentage yield and estimated earnings assume all balances will remain deposited until maturity. Early withdrawals of funds may result in a substantial early withdrawal penalty.

The calculations provided by this calculator are based entirely on the information you enter, including any deposit amount, and Annual Percentage Yield (APY). These calculations do not reflect the terms available for any Regions CD, or any CD offered by any other financial institution, or whether you qualify for any Regions deposit account. Terms, conditions, and earnings for Regions CDs and CDs offered by other financial institutions are established by the respective account agreements and disclosures for such CDs, and actual earnings on such CDs may differ from results obtained from the use of this calculator. Find out more about Regions CDs.

Frequently asked questions about CD calculators

A CD calculator is a tool that estimates CD interest and the value of a CD at maturity using the deposit amount, term, and APY.

No. The calculator uses the numbers you enter and does not show current Regions CD rates. Review Regions CD information for current account details.

The CD calculator estimates how much interest a CD may earn and what the CD may be worth at maturity using the deposit amount, term, and annual percentage yield (APY).

Use the summary statement and chart to see how changing those inputs may affect the estimate. The results are estimates only. Actual earnings depend on the CD’s terms and account agreement, and on whether funds remain deposited until maturity.

The calculator provides an estimate of a CD’s value at maturity based on the information you enter and assumes the money remains deposited for the full term. Actual earnings depend on the CD’s terms and account agreement.

Learn more about what happens when a CD matures

A CD interest estimate depends on the deposit amount, the rate or APY, how often interest compounds and the length of the term. The CD calculator uses the numbers you enter to calculate an estimate.

Annual percentage yield, or APY, is the rate used by the calculator to estimate interest. Changing the rate or APY entered changes the estimate, but the calculator does not show current Regions CD rates.

The CD term affects how long the deposit stays in the account before maturity. You can enter a term in months, such as 3, 4 or 6 months, to see how a different term changes the calculator’s estimate.

Rates can differ by term, so review the current account information before opening a CD.

To compare CDs, run the calculator once for each CD, changing the term or APY, then compare the estimated results. The calculator uses only the information you enter, and actual terms depend on each CD’s account agreement.

If you’re considering a CD, review Regions CD information to learn more about available account options and terms.

Learn more about Regions CDs

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