The U.S. Treasury calculator provides estimates for returns, interest payments, and maturity values for various Treasury securities including T-Bills and TIPS.

US Treasury Bond Calculator – T-Bills, Notes, Bonds, TIPS & FRNs

U.S. Treasury Calculator

Estimate returns, interest payments, maturity value and taxes for Treasury Bills, Notes, Bonds, TIPS and Floating Rate Notes.

Using editable Treasury rate presets

Investment Calculator

Enter your Treasury investment details.

$
Enter the amount you want to invest or the face value.
%
Editable preset. For accurate calculations, use the yield or rate applicable to your security.
%
% of par
%
%
%
%
Important: Treasury yields change over time. The calculator uses user-entered or loaded rates and provides estimates for educational purposes. Actual auction prices, accrued interest, market prices, tax rules and settlement dates can change the result.

Investment Results

Estimated Treasury investment outcome.

Initial Investment
$10,000.00
Interest / Gain
$0.00
Maturity Value
$0.00
Annualized Return
0.00%
Enter your Treasury investment details to calculate the estimated return.

Investment Growth

Principal vs Interest

Tax Estimate

U.S. Treasury interest is generally subject to federal income tax but exempt from state and local income taxes.

Gross Interest
$0.00
Estimated Federal Tax
$0.00
Estimated State Tax
$0.00
After-Tax Interest
$0.00

Interest / Cash Flow Schedule

Estimated schedule based on the selected maturity and rate assumptions.


Period Date Opening Value Interest Tax Ending Value

Treasury Investment Comparison

Compare estimated outcomes using the same investment amount and the rate presets configured below.

Security Term Rate Interest Maturity Value Annualized Return

Treasury Bills

Treasury Bills are short-term U.S. government securities with maturities of one year or less. They are generally purchased at a discount and pay their face value at maturity.

  • 4-week
  • 6-week
  • 8-week
  • 13-week
  • 17-week
  • 26-week
  • 52-week

Treasury Notes

Treasury Notes are fixed-rate marketable securities that generally pay interest every six months.

  • 2-year
  • 3-year
  • 5-year
  • 7-year
  • 10-year

Treasury Bonds

Treasury Bonds are long-term marketable Treasury securities with fixed interest rates and generally semiannual interest payments.

  • 20-year
  • 30-year

TIPS

Treasury Inflation-Protected Securities are designed to protect principal from inflation. Their principal value is adjusted based on inflation or deflation.

  • 5-year
  • 10-year
  • 30-year

Floating Rate Notes

Treasury Floating Rate Notes have a two-year maturity and variable interest rates linked to the 13-week Treasury Bill rate plus a fixed spread.

How this calculator works

The calculator uses different calculation methods depending on the Treasury security selected.

  • T-Bills use discount/yield logic.
  • Notes and Bonds use periodic coupon payments.
  • TIPS apply an inflation adjustment.
  • FRNs project floating-rate payments.
  • Tax estimates are based on entered tax rates.
Disclaimer: This calculator is an educational estimation tool and is not investment, tax or financial advice. Actual Treasury securities can trade at premiums or discounts, and actual results may differ because of auction pricing, market pricing, accrued interest, settlement dates, inflation adjustments, reinvestment rates and individual tax circumstances.
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