Build a Treasury ladder, and see what automation costs

A ladder splits your cash across Treasuries that mature at regular intervals, so some money comes free every few months while the rest earns longer-term rates. Built from the U.S. Treasury's yield curve for October 23, 2026.

Amount $ Ladder length Rungs

Federal bracket State tax rate % The 3.8% net investment income tax applies to me (does it?)

Your rungs

Matures in	Amount	Yield	Gross per year

Ladder it yourself, automate it, or skip it

Option	Yield	You keep	Est. after tax per year	vs the best

Yields are Treasury's par yields, interpolated between published maturities, so actual purchase yields will differ slightly. The ladder's yield changes as rungs roll into new ones at future rates. Treasuries can be sold before maturity at that day's market price. Treasury interest is free of state tax. Automated ladder fee from the provider's own page, checked October 23, 2026; advisory fees aren't tax-deductible, so the fee comes off after tax. 2026 tax-year estimate; not investment or tax advice.