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Certificate Of Deposit Penalty Calculator . Fv = future value of the cd, d = initial deposit amount, r = nominal annual interest rate in decimal form, t = number of years invested, n = number of compounding periods per year. Just enter a few pieces of information and we will calculate your interest and ending balance. Certificate of Deposit Decision Maker GOAL GIRL Finance from goalgirlfinance.com Whatever makes it easier for you to get going on your goals. Formula:a = p(1+r/n) learn how to calculate. Using this information, the calculator will produce.