{
  "id": "cd-calculator",
  "version": "7.0.0",
  "name": "CD Calculator",
  "shortName": "CD",
  "description": "Calculate the earnings and total balance of a Certificate of Deposit (CD) over time.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "cd"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "migrated",
  "migratedDate": "2026-08-18",
  "engine": "legacy-react",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/cd-calculator.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "7.0.0",
    "referenceCoverage": "references-pending",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "2026-08-18",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "urls": {
    "page": "/calculator/cd-calculator/",
    "definition": "/calculator/cd-calculator/definition.json",
    "schema": "/calculator/cd-calculator/schema.json",
    "llms": "/calculator/cd-calculator/llms.txt",
    "legacyDefinition": "/calculator/cd-calculator.json"
  },
  "queryExample": "https://askcalculators.com/calculator/cd-calculator/?deposit=10000&term=12&apy=4.5",
  "queryParameters": {
    "deposit": {
      "label": "Deposit Amount",
      "type": "number",
      "required": false,
      "default": 10000
    },
    "term": {
      "label": "Term Length (Months)",
      "type": "number",
      "required": false,
      "default": 12
    },
    "apy": {
      "label": "Annual Percentage Yield (APY)",
      "type": "number",
      "required": false,
      "default": 4.5
    }
  },
  "inputs": [
    {
      "id": "deposit",
      "label": "Deposit Amount",
      "type": "number",
      "defaultValue": 10000
    },
    {
      "id": "term",
      "label": "Term Length (Months)",
      "type": "number",
      "defaultValue": 12
    },
    {
      "id": "apy",
      "label": "Annual Percentage Yield (APY)",
      "type": "number",
      "defaultValue": 4.5
    }
  ],
  "outputs": [
    {
      "id": "result",
      "label": "Result",
      "format": "text",
      "primary": true
    }
  ],
  "formula": {
    "expression": "Balance is compounded monthly: future value = principal × (1 + annual rate ÷ 12)^(12 × years)."
  },
  "examples": [
    {
      "label": "Reproducible default-input example (not a personal recommendation)",
      "inputs": {
        "deposit": 10000,
        "term": 12,
        "apy": 4.5
      }
    }
  ],
  "sources": []
}