Bond/CD Ladder Toolkit
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https://earlyretirementnow.com/2019/04/22/bond-cd-ladder-toolkit
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Cash Flow needs
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Year 0$40,000.00
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Annual increases0%
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Horizon (y)30
Sample interest rates:
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Bond interest rates
Nominal Treasury Bonds
Treasury Yields from H15
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Maturity
Nominal Interest
https://www.federalreserve.gov/releases/h15/
4/17/2019Dec 1999
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1Y2.44%12.44%02.44%5.84%
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2Y2.40%22.40%2.40%6.10%
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3Y2.37%32.37%2.37%6.14%
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5Y2.40%52.40%2.40%6.19%
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7Y2.49%72.49%2.49%6.38%
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10Y2.59%102.59%2.59%6.28%
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20Y2.81%202.81%2.81%6.69%
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30Y2.99%302.99%2.99%6.35%
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Results:
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Total Outlay (Initial plus Bond Purchases necessary to guarantee spending plan)$826,989.84
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Interest Income$373,010.16
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Total Flows$1,200,000.00
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Initial Spending Rate (% of capital)4.84%
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Maturity0123456789101112131415161718192021222324252627282930
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Interest RateN/A2.44%2.40%2.37%2.39%2.40%2.45%2.49%2.52%2.56%2.59%2.61%2.63%2.66%2.68%2.70%2.72%2.74%2.77%2.79%2.81%2.83%2.85%2.86%2.88%2.90%2.92%2.94%2.95%2.97%2.99%
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Composition of Cash Flow
Purchase Today
$40,000.00$18,561.40$19,014.30$19,470.65$19,932.10$20,407.48$20,897.26$21,408.20$21,941.26$22,494.91$23,070.03$23,667.55$24,285.74$24,925.43$25,587.45$26,272.68$26,982.04$27,716.50$28,477.04$29,264.71$30,080.61$30,925.88$31,800.46$32,705.50$33,642.19$34,611.75$35,615.50$36,654.76$37,730.94$38,845.51$0.00
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Year
Cash Flow Need
From Portfolio
PrincipalInterest
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0$40,000.00$40,000.00$40,000.00$0.00$40,000.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00
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1$40,000.00$40,000.00$18,561.40$21,438.60$0.00$19,014.30$456.34$461.45$475.38$489.78$510.94$533.06$553.65$575.12$597.51$618.20$639.69$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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2$40,000.00$40,000.00$19,014.30$20,985.70$0.00$0.00$19,470.65$461.45$475.38$489.78$510.94$533.06$553.65$575.12$597.51$618.20$639.69$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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3$40,000.00$40,000.00$19,470.65$20,529.35$0.00$0.00$0.00$19,932.10$475.38$489.78$510.94$533.06$553.65$575.12$597.51$618.20$639.69$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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4$40,000.00$40,000.00$19,932.10$20,067.90$0.00$0.00$0.00$0.00$20,407.48$489.78$510.94$533.06$553.65$575.12$597.51$618.20$639.69$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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5$40,000.00$40,000.00$20,407.48$19,592.52$0.00$0.00$0.00$0.00$0.00$20,897.26$510.94$533.06$553.65$575.12$597.51$618.20$639.69$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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6$40,000.00$40,000.00$20,897.26$19,102.74$0.00$0.00$0.00$0.00$0.00$0.00$21,408.20$533.06$553.65$575.12$597.51$618.20$639.69$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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7$40,000.00$40,000.00$21,408.20$18,591.80$0.00$0.00$0.00$0.00$0.00$0.00$0.00$21,941.26$553.65$575.12$597.51$618.20$639.69$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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8$40,000.00$40,000.00$21,941.26$18,058.74$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$22,494.91$575.12$597.51$618.20$639.69$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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9$40,000.00$40,000.00$22,494.91$17,505.09$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$23,070.03$597.51$618.20$639.69$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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10$40,000.00$40,000.00$23,070.03$16,929.97$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$23,667.55$618.20$639.69$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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11$40,000.00$40,000.00$23,667.55$16,332.45$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$24,285.74$639.69$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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12$40,000.00$40,000.00$24,285.74$15,714.26$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$24,925.43$662.02$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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13$40,000.00$40,000.00$24,925.43$15,074.57$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$25,587.45$685.23$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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14$40,000.00$40,000.00$25,587.45$14,412.55$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$26,272.68$709.36$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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15$40,000.00$40,000.00$26,272.68$13,727.32$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$26,982.04$734.45$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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16$40,000.00$40,000.00$26,982.04$13,017.96$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$27,716.50$760.54$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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17$40,000.00$40,000.00$27,716.50$12,283.50$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$28,477.04$787.67$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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18$40,000.00$40,000.00$28,477.04$11,522.96$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$29,264.71$815.90$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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19$40,000.00$40,000.00$29,264.71$10,735.29$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$30,080.61$845.27$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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20$40,000.00$40,000.00$30,080.61$9,919.39$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$30,925.88$874.58$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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21$40,000.00$40,000.00$30,925.88$9,074.12$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$31,800.46$905.04$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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22$40,000.00$40,000.00$31,800.46$8,199.54$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$32,705.50$936.69$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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23$40,000.00$40,000.00$32,705.50$7,294.50$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$33,642.19$969.57$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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24$40,000.00$40,000.00$33,642.19$6,357.81$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$34,611.75$1,003.74$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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25$40,000.00$40,000.00$34,611.75$5,388.25$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$35,615.50$1,039.26$1,076.18$1,114.57$1,154.49$0.00
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26$40,000.00$40,000.00$35,615.50$4,384.50$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$36,654.76$1,076.18$1,114.57$1,154.49$0.00
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27$40,000.00$40,000.00$36,654.76$3,345.24$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$37,730.94$1,114.57$1,154.49$0.00
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28$40,000.00$40,000.00$37,730.94$2,269.06$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$38,845.51$1,154.49$0.00
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29$40,000.00$40,000.00$38,845.51$1,154.49$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$40,000.00$0.00
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300$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00
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