semkuCD calculator online
Enter your deposit, rate, term and compounding frequency to see the maturity balance, total interest and converted annual rate.
Monthly CD balances
| Month | Balance ($) |
|---|---|
| 1 | 10,036.75 |
| 2 | 10,073.63 |
| 3 | 10,110.65 |
| 4 | 10,147.80 |
| 5 | 10,185.10 |
| 6 | 10,222.52 |
| 7 | 10,260.09 |
| 8 | 10,297.79 |
| 9 | 10,335.64 |
| 10 | 10,373.62 |
| 11 | 10,411.74 |
| 12 | 10,450.00 |
Calculation rules
APY includes compounding. The periodic rate is (1 + APY)^(1/n) − 1, where APY is expressed as a decimal and n is the number of compounding periods per year. The periodic rate is approximated to 30 significant digits; displayed money amounts are rounded once to cents, with ties rounded away from zero.
APR here means the nominal annual rate. The periodic rate is APR divided by n, with APR expressed as a decimal. Daily, monthly, quarterly, semiannual and annual compounding use n = 365, 12, 4, 2 and 1. A balance after m months is the deposit multiplied by (1 + periodic rate)^(n × m/12). Converted annual rates are rounded once to two decimal places as percentages and are not fed back into the calculation.
The calculation assumes the entered rate stays fixed and interest remains in the CD. Taxes and early withdrawal penalties are not included.
Frequently asked questions
- Should I enter APY or APR?
- Match the rate type to the rate you have. APY includes compounding; APR here is a nominal annual rate. The result shows the equivalent rate of the other type for your chosen compounding frequency.
- How much does a $10,000 CD earn at 4.50% APY over 12 months?
- Under these assumptions, the maturity balance is $10,450.00 and total interest is $450.00.
- Does changing compounding frequency change a balance calculated from APY?
- For the same APY and term, the balance is the same under this formula. The equivalent nominal annual rate changes with the compounding frequency.
- How are terms such as 18 months calculated?
- Months are divided by 12 to express the term in years. The formula uses fractional compounding periods when needed; a $10,000 deposit at 4.50% APY for 18 months gives $10,682.54.
- Does the estimate include tax or an early withdrawal penalty?
- No. The estimate assumes the deposit and interest remain in the CD for the entered term, without taxes or early withdrawal penalties.
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For details, see the privacy policy in Korean.
Calculations run in your browser without sending the financial values you enter to the server or storing them. See “Privacy on this page” for information about access data.