Build Your Ladder
Allocation × Yield by Maturity
Maturity Distribution
Ladder Analysis
Enter Treasury yields and build your ladder to see analysis...
Yield Curve Analysis
Analyze current yield-curve shape, historical comparisons, and rate expectations.
Curve Shape
Type: --
2s10s Spread: --
5s30s Spread: --
Fed Funds Impact
Current Rate: 5.50%
Real Yield (10Y): --
Break-even Inflation: --
Historical Context
Percentile: --
10Y Average: --
Regime: --
Opportunity Score
Score: --
Best Duration: --
Action: --
Current vs Historical Yield Curve
Forward Rate Calculator
Estimate the implied future rate for a forward starting bond using current yields.
Income & Cash Flow Projection
Project income streams and analyze cash-flow patterns from your ladder.
Projection Inputs
Income Stream Projection
Cash Flow Schedule
| Period | Principal | Interest | Total | Cumulative |
|---|---|---|---|---|
| Calculate projection to see cash flow schedule | ||||
Reinvestment Strategy Optimizer
Pick a strategy and rate scenario to see how to roll maturing bonds.
Maturity Management
Rollover Calendar
Maturity Schedule
Scenario Analysis
Estimate portfolio impact from a parallel or directional rate move.
Portfolio Strategy Comparison
Compare ladder strategies against ETFs, funds, and custom mixes.
Compare Strategies
Equal Weight Ladder
Yield: 4.5%
Risk: Low
Duration: 5.2 years
Annual Income: $4,500
Barbell Strategy
Yield: 4.7%
Risk: Medium
Duration: 8.5 years
Annual Income: $4,700
Bullet Strategy
Yield: 4.2%
Risk: Medium
Duration: 5.0 years
Annual Income: $4,200
★ Optimal Choice
Strategy: --
Advantage: --
Best For: --
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Risk-Return Analysis
Historical Performance — Long-Term Reference
Approximate long-run annualized returns for context. Past performance does not predict future returns.
10-Year Treasury (~20yr avg): ≈ +2.8% annualized
Corporate Bond Index (~20yr avg): ≈ +3.5% annualized
Municipal Bonds (~20yr avg): ≈ +3.2% annualized
TIPS (~20yr avg): ≈ +2.5% annualized