Portfolio Planner
The CDVantage Advantage
Structure a multi-bank CD ladder with clarity. Model tax-aware maturities, toggle roll-versus-keep decisions per rung, and preserve strategic liquidity across a five-year horizon.
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$100,000$5,000,000
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Interactive Ladder Schedule
7 rungs · 7 active tranches · $142,857 per tranche
Cash liquidated: $0
| Maturity | Term / APY | Gross Cash Unlocked | Taxes Owed | Net Cash Available | Action | Resulting Value |
|---|---|---|---|---|---|---|
| Oct 2026 | 3M · 5.10% | $144,645 | −$572 | $144,073 | $144,645 | |
| Jan 2027 | 6M · 5.05% | $146,420 | −$1,140 | $145,280 | $146,420 | |
| Jul 2027 | 1Y · 4.85% | $149,786 | −$2,217 | $147,569 | $149,786 | |
| Jul 2028 | 2Y · 4.55% | $156,153 | −$4,255 | $151,898 | $156,153 | |
| Jul 2029 | 3Y · 4.40% | $162,556 | −$6,304 | $156,252 | $162,556 | |
| Jul 2030 | 4Y · 4.30% | $169,059 | −$8,385 | $160,675 | $169,059 | |
| Jul 2031 | 5Y · 4.25% | $175,907 | −$10,576 | $165,331 | $175,907 |
5-Year Income & Liquidity Trajectory
Estimated interest earned and net liquid cash events, updated live as you adjust inputs.
Strategic Wealth Overview
Principal Deployed
$1,000,000
Gross Interest (5-Yr Horizon)
$104,525
Tax Drag Estimate
−$33,448
Net After-Tax Yield
7.11%
Cash Liquidated to Checking
$0
Marginal Rate Applied
32%
Bank-Level Compliance Disclaimers
- FDIC Insurance Limits. FDIC deposit insurance protects up to $250,000 per depositor, per insured institution, per ownership category. Multi-Bank CD programs may allocate deposits across the national multi-bank network of insured institutions to help maintain coverage; investors are responsible for confirming aggregate exposure at each issuing bank.
- Hypothetical Projections. All figures displayed by this planner are hypothetical projections generated from user-supplied inputs for illustration only. They are not offers, quotes, recommendations, or guarantees of any specific outcome.
- Past Performance Notice. Past yields do not guarantee future performance. Prevailing rates, issuer availability, call features, and applicable tax treatment can change at any time and materially alter outcomes.
- Secondary Market Risk. Multi-Bank CDs sold prior to maturity may transact above or below par value based on prevailing interest rates and liquidity conditions.