Free Canadian planning tool
Build a five-rung GIC ladder
Divide one investment equally across one- through five-year terms, enter the rates available to you, and estimate every rung’s value at maturity.
Private by design
Your entries stay in this browser.
Your entries stay in this browser.
Adjustable
Use your own amount and quoted rates.
Use your own amount and quoted rates.
Transparent
The calculation assumes annual compounding.
The calculation assumes annual compounding.
Estimated ladder
| Term | Starting principal | Rate | Interest at maturity | Maturity value |
|---|
How this estimate works
The tool splits your total equally into five rungs. For each rung it applies principal × (1 + annual rate)term. It does not model taxes, early redemption, fees, promotional conditions, changing renewal rates, or different interest-payment schedules.
Before purchasing a GIC
Confirm the issuer, term, compounding method, payment frequency, redemption rules, maturity instructions, account registration, and applicable deposit-protection details. This calculator provides general educational estimates, not financial advice or a product recommendation.