Know exactly which Treasuries to buy, when to buy them, and when to re‑invest.
Build your plan in 30 seconds.
You manage your own portfolio and want structured fixed income without spreadsheet and manual hassles.
You are interested in Treasury yields that may exceed what savings accounts offer** — and may be exempt from state and local income tax.*
You want predictable cash flow on a set schedule, backed by U.S. government securities.
*Tax treatment varies by individual. Consult a qualified tax or financial professional.
**Savings account rates vary by institution and are subject to change.
From "I have cash" to "I have a plan" in under 30 seconds.
Choose your ladder length, cash frequency, and strategy. We generate a ladder based on your inputs — using U.S. Treasury securities.
Get a clear list of exactly which bonds to buy and when. No hunting through TreasuryDirect. No manual calculations.
Follow the step-by-step plan. Get reminders at every key date, AI-powered re-investment insights, and pro tools to model scenarios — so your ladder runs on autopilot.
Design it your way. Ladders built around your goals.
Steady payouts at regular intervals. Bonds mature on a rolling basis so you always have cash coming in and the option to re-invest or withdraw.
All bonds mature at once so your full investment is ready right when you need it — a home purchase, tuition payment, or any fixed deadline.
Short-term ladder (3-6 months) that can outpace typical savings account rates while you decide your next move. Full liquidity every few weeks.
See how a ladder works for your goal in under 30 seconds.
AI & Pro tools to help you throughout the ladder.
Ask questions, compare strategies, and get insights — all in plain English.
Based on your current ladder, locking in a 2-Year Note now would capture an extra $450 in yield before rates fall further.
AI Bond Strategist
Illustrative example. Not based on actual market data.
From what-if modeling to smart reminders — tools that keep your ladder on track.
Plug in your amount and model what happens if rates rise, fall, or stay flat.
Compare your locked-in rates against today's market. Know exactly where you stand.
Stay ahead of every auction and maturity. Smart alerts tied to your ladder.
Set your re-investment rules and let your ladder run itself.
"The Investment Steps table saved me 2 hours of manual research on my very first ladder."
— Beta User, r/Bogleheads
See exactly which bonds to buy and when — in under 30 seconds.