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Latest research Mortgage refinance Longevity & nutrition Solar & HVAC ROI Smart home privacy Travel & consumer rights

Home/money/Certificate of Deposit (CD) Ladder Optimizer/Result

Worked example

Certificate of Deposit (CD) Ladder Optimizer — total deposit amount ($): 25000, number of ladder tranches (rungs): 4

Model multi-tranche rolling CD maturities, blended APY yield curves, and quarterly liquidity unlock schedules.

Estimated results

Year 1 interest earned: $1,163
Liquid tranche rolling at each maturity: $6,250
Annual gain vs traditional checking/savings: $1,150
5-Year cumulative compound interest: $6,379
Effective blended APY: 5

Run your own numbers

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