CD & Treasury Yield Calculator

How to use this calculator

Enter invested amount, annual yield, term in months, and tax-rate assumption. The calculator estimates gross and after-tax interest for the term.

When this calculator is useful

• Comparing CD and Treasury-bill offers
• Estimating cash yield over short periods
• Understanding before-tax versus after-tax yield

Important limitations

Treasury, CD, and savings products have different liquidity, insurance, state-tax, reinvestment, and early-withdrawal rules.

For best results, run at least three cases: a conservative case, a middle case, and a stretch case. If a small change in inputs creates a big change in the answer, that is a sign the decision may be sensitive to rates, fees, timing, or market performance.