Work out what your savings will actually earn

SaverGrid is a small set of free calculators for US savers. There is no signup and nothing to install. You put in your numbers, you get a correct answer, and you can check the formula we used to get it.

Calculators

CD Calculator

Interest earned, value at maturity, and month by month growth for any certificate of deposit. It handles the difference between APY and the nominal rate correctly.

CD Ladder Calculator

Coming soon. Split a deposit across staggered terms and see the combined schedule.

Early-Withdrawal Penalty

Coming soon. What breaking a CD early really costs, and when it can still be worth it.

Why trust these numbers?

The formulas are public. The methodology page lists every calculation, our rounding rules and our sources, and we keep a changelog when anything changes.
The math treats APY correctly. Banks advertise APY, which already includes compounding. Some calculators apply compounding on top of it, which overstates earnings.
You can check our work. Every calculator has a "show the math" panel that plugs your own numbers into the formula, step by step.