Earn more on your extra cash with zero state taxes.

A ladder of US Treasuries can help you earn more — and keep more — than most savings accounts and some CDs. Since Treasuries are exempt from state and local income taxes, you can take home more interest on money you may be saving for future expenses.

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Curious what $0 in state income taxes could mean for you?

You’d have to earn...

0.00%

in fully taxed interest

to match

0.00%

in Treasury interest

Choose ladder duration

2 years

State of residence

Select state

Annual income

$150,000

Filing status

Select status

Wait, what’s “fully taxed interest?”

By “fully taxed interest” we mean interest that’s taxable at both the state and federal levels. Interest from savings accounts, CDs, and corporate bonds are taxed as ordinary income — all federal and state taxes apply. Treasuries, on the other hand, are exempt from state income taxes.

This interactive analysis tool presents hypothetical outcomes intended for informational purposes only. Average yield estimates assume each ladder rung holds equal weights and all Treasuries are held to maturity. Tax equivalent yield is calculated using federal and state marginal income tax rates based on user inputs. Both figures are net of a 0.25% annual advisory fee. Nothing in this communication should be construed as tax advice, a solicitation or offer, or recommendation, to buy or sell any security. All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Please see our Full Disclosure for important details.

Meet the Automated Bond Ladder.

A bond ladder — a portfolio of bonds that mature at different times — is a way to lock in current yields and provide steady income while also preserving capital. We analyze hundreds of Treasuries to build you an optimized portfolio, and manage every aspect of your ladder as time goes on.

Locked-in rates

Take advantage of today’s rates — and earn a steady yield from six months to six years.

Very low risk

US Treasuries are backed by the full faith and credit of the US Government, which means there’s very little risk of default.

Powered by software

Our software compares hundreds of Treasuries to build your ladder, automatically reinvests your interest, and helps keep your taxes low.

Keep your savings up. Even if interest rates drop.

Although the federal funds rate is expected to decline* regularly over the next two years, you can still lock in current rates by investing in a ladder of Treasuries today. By holding multiple Treasuries of different maturities, you’ll earn a steady yield for your chosen duration.

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^* See remarks from the Federal Reserve

To build your own bond ladder, you’ll need patience and plenty of research. Or just use our app.

Choose how long you want to invest (from six months to six years) and we’ll show you your estimated average yield. We’ll compare hundreds of Treasuries to prioritize high coupon payments and liquidity, and keep your ladder balanced as your rungs mature.

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All investing involves risk.With Treasuries, that’s not very risky.

Savings account

For your daily expenses and your emergency fund.

US Treasuries

Backed by the full faith and credit of the US government, Treasuries offer a steady rate and are considered among the safest investments in the world.

Index funds

The time-tested approach designed to earn you greater returns over the long term, with more exposure to risk.

Individual stocks

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