CD Maturity Calculator
Calculate your CD maturity date and value at maturity. Enter your start date and term to see exactly when your CD matures and how much you'll receive.
CD Details
Total: 12 months
Maturity Date
Set Calendar Reminder
Download a calendar reminder for your CD maturity date. This will help you remember to make decisions about your maturing CD.
Maturity Options
1. Withdraw Funds
Take out all funds ($$10,512.67) and use them for other purposes or investments.
2. Renew CD
Roll over your maturity value into a new CD at current rates. Check with your bank for renewal rates.
3. Transfer Funds
Move funds to a savings account, checking account, or another investment vehicle.
4. Automatic Renewal
If you set automatic renewal, your CD will renew at current rates. Review renewal terms before maturity.
What is CD Maturity?
CD maturity is the date when your certificate of deposit reaches the end of its term. On this date, you can withdraw your principal and earned interest without penalty, or choose to renew the CD at current rates.
Our CD maturity calculator helps you determine exactly when your CD will mature and how much you'll receive, so you can plan ahead for your financial decisions.
How to Calculate CD Maturity Date
Calculating your CD maturity date is straightforward:
Example:
Start Date: January 1, 2024
Term: 12 months
Maturity Date: January 1, 2025
Our calculator automatically handles month-end dates and leap years, giving you the exact maturity date.
What Happens When a CD Matures?
When your CD matures, you have several options:
- Withdraw: Take all funds (principal + interest) without penalty
- Renew: Roll over into a new CD at current rates
- Transfer: Move funds to another account
- Auto-Renew: Automatically renew if you set this option (check renewal rates first)
Most banks give you a grace period (typically 7-10 days) after maturity to make your decision before automatically renewing.
Planning for CD Maturity
1. Set Reminders
Use our calendar reminder feature to get notified before your CD matures. This gives you time to research current rates and make informed decisions.
2. Research Current Rates
Before maturity, check current CD rates. If rates have risen, you might want to shop around. If rates have fallen, renewing might be wise.
3. Review Your Goals
Consider whether you still need the CD or if the funds would be better used elsewhere based on your current financial situation.