Calculators

Total Investment
20,000

Steps:

Certificate One

Term: 1 year

Rate: 1%

Amount: 10,000

Certificate Two

Term: 2 year

Rate: 1%

Amount: 10,000

Certificate Three

Term: 3 year

Rate: 1%

Amount: 10,000

Certificate Four

Term: 4 year

Rate: 1%

Amount: 10,000

Certificate Five

Term: 5 year

Rate: 1%

Amount: 10,000

The effective annual rate is 0 assuming that rates don't change over 0.

Use the arrow keys on your keyboard for precise adjustments to sliders.

Estimated Value After *
0

Ladder Versus Short-Term Reinvestment

* This calculator and estimate is for illustration purposes only and assumes that rates don't change over 0.

Certificate Values at Maturity

One advantage of a certificate ladder is its flexibility. As opposed to investing in a single long-term certificate to maximize yield, each step of the ladder offers the opportunity to withdraw your funds without penalty.

If you choose to withdraw rather than reinvest in the certificate ladder, here are the values of each certificate at maturity:

Estimated Value After * 0

Ladder Versus Short-Term Reinvestment

Certificate Values at Maturity

Estimated Value After *
0