Is the CD ladder calculator widget really free?

Yes. There is no cost, no account, and no usage limit. The only condition is keeping the attribution line that ships with the embed code.

Does the widget track my visitors?

No. The widget sets no cookies, sends no analytics, and makes no network requests after the script file loads. All math runs in the visitor's browser.

Will the widget slow down my page?

The script is about 7 KB gzipped with no dependencies and loads asynchronously, so it never blocks page rendering.

Can I change the colours to match my brand?

Yes. Add a data-accent attribute with any hex colour to the mount element, for example data-accent="#0b7285".

Free CD Ladder Calculator Widget

Live preview

This is the actual widget, running on this page from the same code you will paste. Change the numbers and it recalculates instantly.

Copy this code

Paste it wherever you want the calculator to appear. It works in WordPress (Custom HTML block), Webflow, Squarespace, Ghost, Shopify, and plain HTML.

<div id="mct-cd-ladder" data-amount="25000"></div>
<p style="font-size:12px;color:#64748b">Powered by
  <a href="https://mortgagecalculatortools.com/cd-ladder-calculator.html">MortgageCalculatorTools</a>
</p>
<script src="https://mortgagecalculatortools.com/embed/cd-ladder.js" async></script>

The attribution line is the only thing we ask for in return. Please keep it visible and keep the link crawlable — that is what pays for the widget being free.

Options

Attribute	Does what	Example
data-amount	Starting investment shown when the widget loads	data-amount="50000"
data-accent	Accent colour, any hex value, to match your brand	data-accent="#0b7285"
data-mct-theme	Set to `light` to stay light on dark-mode devices	data-mct-theme="light"

Need more than one calculator on a page, or a different calculator entirely? Tell us what you need — we have 125 calculators and can package any of them the same way.

Questions publishers ask

Is it really free?

Yes — no cost, no account, no usage cap. Keeping the attribution line visible is the only condition.

Does it track my visitors?

No. No cookies, no analytics, no network requests once the script has loaded. Every calculation happens in the visitor's browser, and we never see the numbers they type.

Will it slow my page down?

About 7 KB gzipped with zero dependencies, loaded asynchronously. It cannot block rendering, and if the script fails to load your page is unaffected.

Will it clash with my site's CSS?

All styles are scoped to the widget's own ID, so nothing leaks out into your page and your theme will not restyle the widget.

Can I use it on a commercial or client site?

Yes, including bank, credit union, and advisory sites, and sites you build for clients. Keep the attribution and you are covered.

Please read before you publish

The widget is an educational tool, not financial advice. APY figures are whatever you or your visitor type in — it does not fetch live rates, so pair it with current rates from your own institution or a source like the FDIC. Interest is compounded annually and results are rounded, so treat the output as an estimate rather than a quote.

More on CD ladders

Full CD Ladder Calculator

Per-rung rates, liquidity schedule, chart, and CSV export.

How to Build a CD Ladder

Step by step, with the trade-offs at each rung length.

CD Ladder vs Bond Ladder

Safety, yield, liquidity, and tax treatment compared.

CD Rates vs High-Yield Savings

When locking a rate beats staying liquid in 2026.