New Design Not working For You?

If the new page layout is not working for you, please Contact Me and let me know what device, operating system, and web browser (with version numbers) you are using so I can attempt to get the layout working for your setup.

About the Redesign

If you visited this site prior to September 15th, 2018, you've no doubt noticed that I've since launched a complete redesign of the website.

If you're not happy with the new design, I sincerely apologize. I would have preferred to keep the old desktop design, but considering the majority of my site's users are now accessing the site from small-screen, touch-enabled, mobile devices, and considering Google is now penalizing websites for not being mobile/thumb friendly, I was left with no choice but to switch to a responsive, mobile-first design.

The good news is that now that I have combined the three separate versions of the site (mobile, desktop, and ad-free member) into a single design, this will free up a ton of my time for working to make the mobile-optimized calculators more desktop/laptop friendly. In fact, some of the redesigned calculators already offer a desktop-optimized form that becomes visible when you increase the width setting of the calculator (within the "Calculator Preferences" expandable panel).

Thank you in advance for your help and patience as I work to improve the redesign.


Calculator Preferences
CD Savings Comparison Calculator Sign

CD Savings Comparison Calculator

This calculator will calculate and compare the interest earnings and annual percentage yield on up to 4 different certificates of deposit having different rates, maturities, and/or compounding intervals. Results include a comparison chart and bar graph, along with a printer friendly report. The Learn tab includes:

  • When should you consider CD investing?
  • What investment advisors want you to believe.
  • Who should you listen to for investment advice?
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Enter CD's to Compare

CD's to Compare:

For each CD you would like to compare, enter the deposit amount, the interest rate, and the number of months, and then select the number of compoundings per year (CPY).

Tap the column header links for more detailed instructions.

Once you have all CD terms entered, tap the Calculate CD Comparison button.


Deposit Amount:

Enter the deposit amount of each CD. Enter as a dollar amount, but without the dollar sign and any commas. Most certificates of deposit require a minimum deposit amount of $500 or more.


Annual Interest Rate:

Enter the annual interest rate (APR) of each CD. Enter as a percentage, but without the percent sign (for .02 or 2%, enter 2).


Number of Months:

Enter the number of months before each CD reaches its maturity date.


Compounding Per Year (CPY):

Select the compoundings per year that applies to each certificate of deposit. Typically, the more frequent the compounding, the more interest you will earn in a given amount of time.

Comparative Results

Comparative Results:

The chart below will compare the future value, interest earnings, average annual earnings, and annual percentage yield, for all CDs entered in the section above this one.

Tap the Terms option to view the entered terms for each CD.

Tap the Results option to change the chart back to the calculated results, which will include header links to view more detailed descriptions of each column.

#FVFVFuture ValueFuture ValueInterestInterestInterest EarningsInterest EarningsAvg/YrAvg/YrAvg / YearAverage Per YearAPY

Future Value:

Based on your entries, this how much each certificate of deposit will be worth when it reaches its maturity date.

Interest Earnings:

Based on your entries, this is the total amount of interest you will earn on each CD.

Average Earnings Per Year:

This is the average annual interest earnings for each CD. For CDs with maturities of less than one year, the calculator will assume you will reinvest the principal and interest at each maturity date.

Annual Percentage Yield (APY):

Given the number of months and interest rate, this is the annual percentage yield (APY) of each certificate of deposit.

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated


Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.



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