Model equal principal across staggered deposit maturities.
It keeps balances, contributions, withdrawals, fees, rate conventions, crediting frequency, and time periods visible so you can compare accounts and plans without hidden product assumptions.
Calculation structure
Match every rate to its time period
Deposit per rung = total deposit ÷ rung count. Each rung compounds monthly to its stated maturity; combined maturity value is the sum.
Visual explanation
See what changes the savings result
Stage 1→Stage 2→MaturityApply each entered rate only to its stated stageDeposit per rung = total deposit ÷ rung count. Each rung compounds monthly to its stated maturity; combined maturity value is the sum.
Read the estimate correctly
Use the result with its assumptions
A 12,000 four-rung ladder spaced 6 months apart allocates 3,000 to each rung with maturities at 6, 12, 18, and 24 months.
Real ladders may use different rates for each maturity. This simplified scenario applies one entered monthly-compounded nominal rate to every rung.
Quick guide
How to use this calculator
Enter the balance, rate, timing, fee, or contribution assumptions named by the fields.
Use one currency and follow the stated nominal, effective, simple-interest, or compounding convention.
Review the calculator-specific assumptions before comparing accounts or making a savings decision.
Calculation method
Calculation method
Deposit per rung = total deposit ÷ rung count. Each rung compounds monthly to its stated maturity; combined maturity value is the sum.
Entered fixed decimals are parsed exactly. Compound projections use stable exponential forms and preserve zero-rate cases exactly; money rounds only for display and a supported nonzero amount is not replaced by a misleading zero.
Worked example
Worked example
A 12,000 four-rung ladder spaced 6 months apart allocates 3,000 to each rung with maturities at 6, 12, 18, and 24 months.
Deposit per rung = total deposit ÷ rung count. Each rung compounds monthly to its stated maturity; combined maturity value is the sum.
Supported inputs
Precision and limits
Visible input limits
Amounts accept up to 30 digits and 12 decimal places and are capped at 1e12 per input. Rates are capped at 1000%. Most projections are capped at 1,200 months or 100 years; narrower whole-number limits appear in field labels.
International scope
No currency, institution, current market rate, deposit-insurance rule, tax system, regulatory disclosure, or jurisdiction-specific product term is assumed.
Decision boundary
Results are arithmetic scenarios from visitor-entered assumptions, not account quotations, forecasts, tax advice, legal determinations, deposit guarantees, or recommendations.
Calculator-specific assumptions
Real ladders may use different rates for each maturity. This simplified scenario applies one entered monthly-compounded nominal rate to every rung.
