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. Put each maturity date on your calendar:never let a CD auto-renew.
| Rung | Amount | Term | Matures |
|---|
Even splits shown; you can weight rungs however you like. At maturity, take the cash with no penalty or roll it into a new 24-month CD. Current rates: today's best CD rates.
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.
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