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Free Tools/CD Ladder Builder

Build Your Perfect CD Ladder

A CD ladder spreads your money across multiple CDs with staggered maturity dates — giving you the higher yields of longer-term CDs while keeping a portion coming due regularly. Configure your investment, number of rungs, and rate assumptions to model exactly how every dollar is allocated and when it matures.

What It’s For

Investors who want maximum yield without locking up all their cash. A ladder means you always have a CD maturing — ready to reinvest or access as needed.

How to Use It
  1. 1Enter your total investment amount
  2. 2Choose the number of ladder rungs (maturities)
  3. 3Set your starting APY and rate step per rung
  4. 4Review the full ladder schedule and total interest earned
Weighted Average Yield
4.95%
End of Ladder (years)
0.1yrs
End of Ladder (months)
1mo
Total Amount to be Invested
$537,000.00
Months Even Ladder Ladder Request Rate CUSIP Bank Maturity Settle Investable Amounts Coupon Freq
0 $537,000.00
$
 4.95 CASH / MMF PERSHING MMF 3/27/2026 3/27/2026 At Maturity
1
$