Treasury Ladder Income Forecast Calculator turns your assumptions into a practical planning estimate. Enter the investment amount, timing, yield, and applicable tax inputs to see the main result plus supporting figures that explain where it comes from. The tool is designed for comparing cash-flow choices and testing scenarios, not predicting future rates. Adjust one input at a time to see which assumption has the greatest effect on your plan.
The forecast shows how partial reinvestment may grow future Treasury income while still producing current cash flow.
The yield and federal tax rate are held constant. State and local tax are omitted because Treasury interest is generally exempt.
For $200,000 at 4.3%, a 24% federal rate and 25% reinvestment, first-year after-tax cash income is $4,902 and $1,634 is retained.
No. It is a planning estimate based on the constant inputs you enter; actual yields, taxes, and cash flows can change.
Use a current quoted yield that matches the securities, maturities, and compounding basis you expect to use.
Interest is commonly taxed as ordinary income, so the marginal rate helps estimate the portion of interest retained after tax.
Yes when the calculation remains defined. A zero yield models principal-only cash flow, but break-even calculations that require positive income reject it.
No. Results are shown in nominal dollars unless inflation is explicitly included as an input, so purchasing power may differ.
| Input | Purpose |
|---|---|
| Starting Treasury ladder value | US dollars |
| Average annual yield | Percent |
| Forecast length | years |
| After-tax interest reinvested | Percent |
| Federal tax rate | Percent |