About CdLab

CdLab is a set of free calculators for certificates of deposit — maturity value, interest, early-withdrawal penalties, after-tax yield and CD ladders, plus side-by-side bank comparisons. Every tool runs entirely in your browser, so the numbers you type never leave your device.

The math (compound growth at a stated APY) is standard and never changes; bank APYs are stored as illustrative constants. The site stays correct without updates.

CdLab is maintained by an independent maker. It may show non-intrusive advertising once traffic justifies it. We do not collect or sell your data.