Finn

This calculator is a handy tool for comparing the after-tax returns of Treasury bonds, bank CDs, and high-yield savings accounts. It correctly factors in the state and local tax exemption for Treasuries, which can make a surprising difference in your actual take-home yield. The inputs are straightforward and easy to customize with your own local tax rates and current yields. Keep in mind that the "Treasury Advantage" specifically compares Treasuries to CDs, so you'll want to glance at the HYSA net return to ensure you're comparing against your true next-best alternative.

Reviewed v26.8.6