CD Ladder Builder

CD Ladder Builder

The CD Ladder Builder helps you lock in rates while keeping regular access to your cash. You enter the total you want to invest, the number of rungs, and the average yield, and it returns your annual interest income, the amount in each rung, and the value of each rung as it matures. Use it when you want more yield than a savings account but cannot tie up everything for years. Spreading your money across staggered maturities means one certificate comes due on a regular schedule, so you can reinvest at current rates or take the cash without an early withdrawal penalty. A ladder gives you a steady income stream and flexibility at the same time.