3 Free CD & Savings Calculators — No Signup, No Tracking, No Bank Pitches

Are your savings actually earning what the bank promised? Most people don't check -- and that's costing them money.

We just launched 3 free finance calculators that run entirely in your browser. No signup, no data collection, no bank trying to sell you their product.

1. CD Calculator -- See Exactly What Your Certificate of Deposit Earns

Banks love advertising APY numbers, but how much will you actually earn on a $10,000 CD at 4.5% for 2 years?

Our CD Calculator breaks it down:
- Enter deposit, APY, term, and compounding frequency
- See total interest earned vs principal in a visual donut chart
- Compare up to 3 CDs side-by-side -- most calculators don't do this
- Calculate early withdrawal penalties before you commit

The comparison mode is the killer feature. Drop in your top 3 CD offers and instantly see which one wins.

2. APY Calculator -- Because APR and APY Are Not the Same Thing

A savings account advertising 4.50% APR with daily compounding actually earns you 4.60% APY. That's free money most people miss.

The APY Calculator has three modes:
- Calculate APY from any interest rate and compounding frequency
- APR to APY converter -- see how compounding frequency changes your earnings
- Compare rates -- put 3 accounts side-by-side with 1-year and 5-year projections

3. CD vs Savings Account Comparison -- The Question Everyone Asks

"Should I lock my money in a CD or keep it in a high-yield savings account?"

The CD vs Savings Comparison tool answers this with math, not opinions:
- Side-by-side comparison with identical deposit amounts
- Growth chart showing both accounts over time
- "What if rates change?" toggle -- savings rates are variable, CDs are fixed. See what happens if your savings APY drops mid-term
- Plain English verdict: which option wins and by how much

Why We Built These

Every major finance calculator online (Bankrate, NerdWallet, Calculator.net) comes with:
- Ads everywhere
- Product pitches mixed into results
- Tracking cookies
- Email signup walls

Ours run 100% in your browser. Your financial data never leaves your device. No account needed.

Try Them

- CD Calculator
- APY Calculator
- CD vs Savings Comparison

All part of Teamz Lab Tools -- 1,700+ free browser-based tools.

These tools are open source and run entirely client-side. No backend, no tracking, no signup.

Originally published at tool.teamzlab.com