アメリカCertificate of Deposit (CD) Penalty財務・給与US Certificate of Deposit (CD) Early Withdrawal Penalty Calculator
Calculate early withdrawal penalties (typically 90, 180, or 365 days of simple interest) and net interest earned if you break a bank CD before maturity.
入力パラメータ
リアルタイム自動計算$
クイック選択:
5 %
0.5 %10 %
6 mo
1 mo60 mo
計算結果Certificate of Deposit (CD) Penalty
Total Net Cash Payout from Bank (Principal + Net Interest)
$25,316.34
Early Withdrawal Penalty Fee Forfeited
$307.8
Net Interest Earned After Penalty
$316.34
詳細な計算内訳
Accrued Gross Interest
$624.14
Penalty Fee Deducted
$307.8
Net Interest
$316.34
Total Cash Redeemed
$25,316.34
計算方法と根拠
Daily Interest = (CD Principal * APY% / 100) / 365. Penalty Amount = Daily Interest * Penalty Days (e.g. 90 or 180 days). Net Interest = Gross Accrued Interest - Penalty.
法的免責事項および案内
If a CD is redeemed before enough interest has been earned to cover the penalty, the penalty will be deducted from your principal deposit.
本計算機は教育および参考目的のみに提供されています。表示される結果は法的または拘束力のある助言を構成するものではありません。
よくある質問 (FAQ)
Banks calculate CD penalties as a forfeit of simple interest (e.g., 3 months of interest for CDs under 1 year, and 6-12 months for 5-year CDs).
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