Bond Laddering Cash Flow Calculator
Bond ladders spread maturities across several years to balance income and reinvestment risk. Enter your ladder setup to project yearly cash flow.
About this calculator
Build a simple bond ladder across multiple maturities and see projected annual coupon income plus principal returned each year as bonds mature.
Frequently Asked Questions
What is a bond ladder?
A bond ladder is a portfolio of bonds with staggered maturity dates, so a portion of your principal comes due periodically, reducing interest rate risk and providing regular liquidity.
Does this account for varying coupon rates per rung?
This simplified model uses an average coupon rate across all rungs. For precise planning, calculate each rung's cash flow separately if rates differ significantly.
What happens if I reinvest matured principal?
If you choose to reinvest, the matured principal is assumed to roll into a new rung rather than being taken as cash, so your cash flow reflects coupon income primarily.