CD Early Withdrawal Penalty Calculator
Estimate CD early-withdrawal cost from principal, APY, and penalty days — then compare to interest already accrued.
One-sentence answer: This calculator uses only the inputs you provide and the formulas printed on this page; it is an educational estimate, not personalized advice, and results change when dated defaults change.
Formula
penalty ≈ P × APY × d_pen/365; accrued ≈ P × APY × d_held/365; net ≈ accrued − penalty.
Worked example
$10,000 at 4.5% with 90-day penalty after 60 days held: accrued ≈ $74, penalty ≈ $111, net ≈ −$37 versus leaving the deposit untouched for those 60 days of interest alone.
Embed (keep the attribution link on the parent page):
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Related
Disclaimer
For education only — not tax, legal, investment, or purchasing advice. Formulas are shown in plain text. Real invoices, filings, and quotes may differ.
Frequently asked questions
What problem does this page solve?
CD Early Withdrawal Penalty Calculator It walks through definitions, trade-offs, and linked calculators so you can check the arithmetic yourself.
Is this personalized financial, tax, or legal advice?
No. Content is general education. Confirm numbers with primary sources, plan documents, and a qualified professional before acting.
How current are the figures?
Tables and calculator defaults carry an as-of date on the page or linked data file. Re-check after rate, tax, or hardware changes.
How should I use the calculators with this guide?
Open the linked tool, enter your own inputs, and compare the output with the worked example. Change one variable at a time to see sensitivity.
Does this site run ads or trackers today?
No Google AdSense loader or shared publisher ID is embedded in these pages. Privacy policy describes how ads would be disclosed if introduced later.
Can I embed the related calculator?
Yes. Use the embed snippet on the tool page and keep the attribution link on the parent page so readers and crawlers can find the source.