Enter an initial deposit, an interest rate (%), and term of a certificate of a deposit into the CD calculator to determine the final value of the CD.

## CD Return Formula

The following formula is used to calculate the return or final value of a certificate of deposit.

FV = IV (1 + r/m) ^ (t * m)

- Where FV is the final value
- IV is the initial value or deposit
- r is the annual interest rate
- m is the compounding frequency per year
- t is the number of years.

Time needed: 10 minutes.

How to calculate the return on a certificate of deposit

**Determine the total initial value**This would be equal to the total cost of the CD times the number of certificates purchased

**Determine the rate of return**Determine the yearly rate of return of the CD in percent

**Determine the total term of the CD**Find out how long the CD is invested for in number of years.

## FAQ

**What is a certificate of deposit**

A certificate of deposit, or CD, is a type of investment that typically yields higher returns than a savings account but has a fixed term length and must be re-drawn at the end of the investment term.

**Is a certificate of deposit better than a savings account?**

That depends on the individual. The CD is an extremely safe investment that will return a fixed %, but will also keep you money locked up for the term.

**Certificate of Deposit or Stocks**

It’s best to keep a balance of both CDs and stocks in an investment portfolio. CD’s are extremely safe, but won’t yield the same returns as other investments.

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