CD Ladder Calculator
Build a CD ladder to balance liquidity and returns. Spread your money across multiple terms so a portion matures regularly.
Rates updated 2026-03-28 · View all CD rates
Maturity Timeline
Your CD Ladder
| Rung | Term | Bank | Amount | APY | Interest | Maturity |
|---|---|---|---|---|---|---|
| #1 | 3 months | Blue Foundry Bank | $25,000 | 4.20% | +$258 | Jun 2026 |
| Total | $25,000 | 4.20% | +$258 | $25,258 | ||
CD Ladder vs HYSA Comparison
Same $25,000 over 3 months (best HYSA: Manasquan Bank)
The HYSA earns $48 more, but locks up nothing — giving you full liquidity.
Reinvestment Projection
What if you reinvest each maturing CD into a new 3 months CD?
How CD Ladders Work
A CD ladder splits your investment across CDs with staggered maturity dates. When the shortest-term CD matures, you reinvest it into a new long-term CD. This gives you regular access to funds while earning higher long-term rates.
Compare Current Rates
See how your projected returns compare to today's best rates.
Frequently Asked Questions
What is a CD ladder?
A CD ladder is an investment strategy where you split your money across CDs with staggered maturity dates. For example, instead of putting $25,000 into one 5-year CD, you put $5,000 each into 1-year, 2-year, 3-year, 4-year, and 5-year CDs. As each CD matures, you reinvest into a new long-term CD, giving you regular access to funds while capturing higher long-term rates.
Why use a CD ladder instead of a single CD?
A CD ladder provides regular liquidity (one rung matures each year), reduces interest rate risk (you can reinvest at higher rates if rates rise), and still captures the higher APYs offered by longer-term CDs. A single long-term CD locks up all your money, while a single short-term CD misses out on higher long-term rates.
How does a CD ladder compare to a high-yield savings account?
CD ladders typically offer higher returns than HYSAs because you lock in rates for longer terms. However, HYSAs offer unlimited liquidity — you can withdraw anytime without penalty. A CD ladder is best for money you can afford to lock up in stages, while a HYSA is better for emergency funds you may need immediately.
What is the best CD ladder strategy?
The best strategy depends on your goals. A classic 5-year ladder (12, 24, 36, 48, 60 months) maximizes returns with annual liquidity. A short 3-rung ladder (3, 6, 12 months) prioritizes flexibility. A medium 4-rung ladder (6, 12, 24, 36 months) balances both. Start with equal amounts per rung unless you need more liquidity sooner.
What happens when a CD in my ladder matures?
When a CD matures, you have a few options: reinvest the full amount into a new long-term CD to maintain the ladder, withdraw the funds if you need them, or split between spending and reinvesting. Reinvesting keeps your ladder running and ensures you always have a CD maturing regularly.