Bond Ladder Builder

Build a bond ladder with equal rungs, calculating per-rung investment, income, and duration.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Total investment ($)

Number of rungs

Shortest maturity (yrs)

Longest maturity (yrs)

Average yield (%)

Tab to move between fields

Results

Per-rung investment ($)

$10,000

Annual income ($)$2,250

Monthly income ($)$188

Weighted avg maturity (yrs)3

Average duration (yrs)2.87

Reinvestment cycle (months)12

How to Use This Calculator

Enter your total investment amount and the number of ladder rungs (bonds maturing at different dates).
Set the shortest and longest maturity in years to span your desired income timeline.
Input the average yield percentage across the bonds you plan to purchase.
Review Per Rung Amount to see how much goes into each maturity bucket.
Check Annual Income and Monthly Income to confirm the ladder generates the cash flow you need.

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