CD Ladder Planner
Model a custom CD ladder around your investment amount, income goals, and time horizon — then see the rung-by-rung breakdown.
1-10 yrs
Time Horizons
$250K
FDIC Coverage
4.6-6%
Avg Rung APY
CD Ladder Assistant— Get help building your ladder
$
$
≈ $42 / month
Income Analysis
Projected $324.69/yr vs target $500.00/yr
65%Shortfall of $175.31/yr — invest $15,399 to fully meet goal
Projected Annual Income
$324.69
Income Target
$500.00
Required Investment for Goal
$15,399
Recommended Ladder
2 Year Ladder
A 2-year ladder matches your 2.0-year horizon. Current investment covers 65% of your income goal — consider increasing the investment amount to close the gap.
Rung Breakdown
| Maturity | Issuer | CUSIP | APY | Principal | Interest | Matures |
|---|---|---|---|---|---|---|
| 6 months | Bank A | US000004 | 4.95% | $2,500 | +$61.88 | 2027-01-01 |
| 1 year | Bank B | US000010 | 5.10% | $2,500 | +$127.50 | 2027-07-01 |
| 1.5 years | Bank C | US000016 | 5.20% | $2,500 | +$195.00 | 2028-01-01 |
| 2 years | Bank D | US000022 | 5.30% | $2,500 | +$265.00 | 2028-07-01 |