Free tool
Reviewed by Paul Knag, founder of Peklava LLC (NMLS ID 1592292) · July 2026. Illustration only, not financial advice or a rate quote.
Enter the amount you want kept safe and when you'd open the CDs. You get a four-rung ladder (6, 12, 18, and 24 months) with every maturity date listed, so money frees up twice a year. The month is a planning estimate; confirm each exact maturity date and renewal terms with your bank.
| Rung | Amount | Term | Matures |
|---|
Even splits shown; you can weight rungs however you like. This tool schedules principal, not interest. At maturity, check your bank's withdrawal deadline before taking the cash or choosing a new term. Current rates: today's best CD rates.
Use the CD maturity checklist to record the exact dates, compare renewal terms, and decide what to do next.
The full guide, including the two rules that protect your yield, lives on the Money & Investments page. Prefer to watch? The90-second videocovers the whole play.
A CD ladder is easier to judge when you look at the dates. One amount divided across 6, 12, 18 and 24 month terms, with the month each part would mature. Change the start month and the maturity dates move with it. The amounts are a planning illustration, not a quote, and taking money out early may involve a penalty.
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