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CD Ladder Average APY Calculator

Blended yield of a 5-rung CD ladder.

Compute the average yield of a 5-rung CD ladder by averaging 1-, 2-, 3-, 4-, and 5-year CD APYs you input. Useful for comparing a ladder to a single long-term CD.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

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Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Average APY = (apy_1 + apy_2 + apy_3 + apy_4 + apy_5) / 5.

In depth

Compute the average yield of a 5-rung CD ladder by averaging 1-, 2-, 3-, 4-, and 5-year CD APYs you input. Useful for comparing a ladder to a single long-term CD.