Split an amount across evenly-spaced maturities — Treasuries, CDs, or bonds — and see the maturity schedule, projected income, and when each rung frees up to roll. Pure browser math — nothing is sent to a server. Share a ladder by copying the URL.
| Rung | Matures | Principal | Income / yr | At maturity |
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Pair the ladder with the equity sleeve and check the combined risk:
Rungs — principal splits evenly: each rung gets amount / rungs. Rung k matures in k × spacing months from today.
Income — each rung earns principal × APY per year while outstanding; "At maturity" shows principal plus simple interest accrued over that rung's life (principal × (1 + APY × years) — a planning approximation; actual instruments compound or pay coupons per their own terms).
Weighted average maturity — principal-weighted mean of the rung maturities; the ladder's effective duration proxy.
The roll — when the shortest rung matures, reinvest it at the ladder's long end to keep the structure rolling. Spacing = how often cash frees up; rungs × spacing = how far out the long end sits.
What this omits — price risk if sold before maturity, coupon-vs-zero mechanics, callable bonds, credit risk, and taxes (Treasury interest is state-tax-exempt; CD interest is not).
Educational tool — not investment advice. Yields are your assumption, not a quote; actual instrument pricing, compounding, and tax treatment vary. QuantLogix is a research platform, not a registered investment advisor.