Fixed income
Predictable yield.Monthly liquidity.
The Treasury Ladder Architect splits your cash across staggered T-bill maturities priced from the live curve — so principal frees up on a schedule while every rung earns U.S. government-backed yield, exempt from state income tax.
Principal returns every quarter
How it works
A ladder, built from the live curve.
Tell it how much cash and how long — 6, 12, or 24 months. The architect reads the 3-month, 5-year, 10-year and 30-year Treasury yields in real time, staggers your capital across evenly spaced rungs, and prices each rung with a duration premium.
- Live ^IRX / ^FVX / ^TNX / ^TYX pricing
- Even capital per rung
- Blended yield computed instantly
Principal returns every quarter
Cash flow
Know exactly when your money comes back.
Every ladder ships with a monthly liquidity calendar: which month each rung matures, how much principal returns, and the interest it earned. Reinvest the rung or take the cash — either way, nothing is locked up longer than the next maturity.
- Month-by-month payout grid
- Principal + interest split
- Roll or withdraw at every rung
Full faith and credit
Backed by the U.S. Treasury.
0
Points on the live curve
0–24mo
Ladder durations
0
State income tax on interest
Questions, answered.
Live market yields on the 3-month, 5-year, 10-year and 30-year Treasuries, with a small duration premium per year of maturity on each rung.