Treasury insights for smarter cash decisions

Track live Treasury bill rates, compare them with savings accounts, and build a ladder to understand how your cash can work harder.

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What you can do here
  • See current Treasury bill yields
  • Estimate earnings on your cash
  • Compare Treasury bills with savings accounts
  • Simulate a Treasury ladder with reinvestment
Highest Short-Term Rate
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Best Bill Term
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Sample Earnings on $10,000
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Rates Loaded
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Short-Term Treasury Bill Rates

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Quick Compare Snapshot

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Best Treasury vs Savings
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Treasury After-Tax Earnings
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Advantage vs Savings
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This snapshot uses the best currently loaded short-term Treasury bill and compares it against a savings account over the same term.

Quick Ladder Snapshot

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Per-Step Investment
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Estimated Total Earnings
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Estimated Ending Value
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This ladder snapshot splits your money evenly across the shortest currently loaded Treasury bill terms and simulates reinvestment using the same term yields.
Compare vs Savings

See whether Treasury bills can beat your bank savings account after taxes.

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Live Rates

Explore current bill, note, and bond yields pulled from TreasuryDirect.

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Ladder Builder

Simulate a Treasury ladder and reinvestment strategy across multiple terms.

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Why Treasuries matter for savers

Treasury bills are often used by savers who want a government-backed option for short-term cash. They can be especially attractive when savings-account yields lag behind, or when state tax treatment matters.

Short terms
Useful if you want your cash back soon while still earning interest.
State tax advantage
Treasury interest is generally exempt from state and local income tax.
Ladder flexibility
A ladder can spread maturity dates so all your cash is not locked at one term.