---
title: "CD Ladder Calculator"
method: POST
path: "/api/v1/tools/cd-ladder-calculator"
tags: ["savings"]
---

# CD Ladder Calculator

`POST /api/v1/tools/cd-ladder-calculator`

## Request

- Base URL: `https://calcfleet.com`
- URL: `https://calcfleet.com/api/v1/tools/cd-ladder-calculator`
- Auth: none declared

Build a CD ladder: split your savings across staggered-maturity CDs and see year-one interest, per-rung breakdown, and your blended APY across the whole ladder.

## Request body

- object
  - `principal` number, required
  - `rungs` integer, required
  - `baseApy` number, required
  - `step` number, required

## Response `200`

Successful calculation result.

- object
  - `result` object, required: Structured calculation output (fields vary per calculator).

## Other responses

- `400`: Invalid input — the issues array contains Zod validation errors.
- `403`: Forbidden — an Authorization: Bearer cf_… key was supplied but is invalid.
- `404`: Unknown tool slug.

---

[API](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api.md) · [All operations](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api/llms.txt) · [OpenAPI document](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api/revisions/cd9abd595bbe?raw)