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Savings, CD & Bond Yield Math

Compare bond yield-to-maturity, coupon schedules and after-tax CD versus Treasury savings.

Computes bond yield-to-maturity, coupon schedules and after-tax savings comparisons from the rates and tax percentages you enter. Fetches no live market quotes and provides no investment or tax advice.

Bond YTM & coupon schedule

Enter par value, clean purchase price, annual coupon rate and maturity to solve exact yield-to-maturity.

Price vs par
Current yield
Yield-to-maturity (YTM)
Effective annual yield
Coupon per period
Total coupon cash
Gain / discount at maturity
Total cash gain
Macaulay duration

Coupon cash-flow schedule

Period Year Coupon Principal Total cash Present value

After-tax CD vs Treasury comparison

Enter your own marginal tax rates. Bank and CD interest is taxed at your combined federal plus state/local rate; Treasury interest is exempt from the state/local rate entered.

After-tax Bank / CD yield
After-tax Treasury yield
Tax-equivalent CD yield needed
Ending after-tax CD balance
Ending after-tax Treasury balance
After-tax comparison

After-tax compound balance curve

Saved scenarios (0)

No saved scenarios yet. Enter your numbers above and click Save scenario to compare options.

Your data

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