Bond Ladder Builder
Treasury / CD ladder construction with cashflow and reinvestment projection
Ladder Configuration
$
yr
%
When a rung matures:
Yield Curve (annualized)
%
%
%
%
%
Weighted YTM
4.44%
Year-1 Income
$22,200
Total Interest Earned
$224,100
Over 10 years
Annual Cashflow
Roll mode — matured principal reinvested at long endSpend vs Roll Comparison
Spend Mode
Take cash as each rung matures — portfolio winds down to zero.
Total interest earned$66,600
Total principal returned$500,000
Final portfolio value$0
Roll Mode
Reinvest matured principal at the long end at 4.50%.
Total interest earned$224,100
Total principal returned$0
Final portfolio value$500,000
Year-By-Year Detail
| Year | Interest | Matured | Reinvested | End Portfolio | Avg Yield |
|---|---|---|---|---|---|
| 1 | $22,200 | $100,000 | $100,000 | $500,000 | 4.44% |
| 2 | $22,200 | $100,000 | $100,000 | $500,000 | 4.46% |
| 3 | $22,300 | $100,000 | $100,000 | $500,000 | 4.48% |
| 4 | $22,400 | $100,000 | $100,000 | $500,000 | 4.50% |
| 5 | $22,500 | $100,000 | $100,000 | $500,000 | 4.50% |
| 6 | $22,500 | $100,000 | $100,000 | $500,000 | 4.50% |
| 7 | $22,500 | $100,000 | $100,000 | $500,000 | 4.50% |
| 8 | $22,500 | $100,000 | $100,000 | $500,000 | 4.50% |
| 9 | $22,500 | $100,000 | $100,000 | $500,000 | 4.50% |
| 10 | $22,500 | $100,000 | $100,000 | $500,000 | 4.50% |
Simplified annual coupon model — no semi-annual compounding, no bond pricing (par-only). Rates are planning estimates; verify with your custodian's real-time secondary-market quotes before placing trades.