Calculate US Treasury bond returns. Project earnings on T-bills, T-notes, and T-bonds with current 2026 yields.
Treasury Settings
$10,000
5 years
Current Yields (2026)
3-Month T-Bill5.10%
5-Year T-Note4.30%
10-Year T-Note4.50%
30-Year T-Bond4.70%
Total Future Value
$12,150
After 5 years
Interest Earned
$2,150
Annual Yield
21.50%
Income Schedule
Year 1$430
Year 2$860
Year 3$1,290
Year 5$2,150
US Government Backed
Treasury securities are among the safest investments, backed by the full faith and credit of the US government. Interest is exempt from state and local taxes.
How to use this calculator
1Select Treasury bond type (T-bill, T-note, T-bond).
2Enter the face value or purchase amount.
3Input the maturity period in months or years.
4View total return, annual yield, and interest earned.
Understanding US Treasury Securities
Treasury bonds are the safest investments in the world, backed by the full faith and credit of the US government. They come in various maturities, each with different yield characteristics.
Types of Treasury Securities
Type
Maturity
Current Yield
Interest
T-Bill
4-52 weeks
~5.1%
At maturity
T-Note
2-10 years
~4.3%
Semi-annual
T-Bond
20-30 years
~4.7%
Semi-annual
TIPS
5-30 years
~2.5%
Semi-annual + inflation
Why Treasury Bonds Are Popular
Safety: Backed by US government, virtually default-risk free
Liquidity: Largest, most liquid market in the world
Tax Benefits: Exempt from state and local taxes
Diversification: Low correlation with stocks
Common questions
What are the current Treasury yields in 2026?
As of 2026, Treasury yields are approximately: 3-month T-bill ~5.1%, 1-year T-bill ~4.8%, 5-year T-note ~4.3%, 10-year T-note ~4.5%, and 30-year T-bond ~4.7%. Yields change daily based on market conditions.
What is the difference between T-bills, T-notes, and T-bonds?
T-bills mature in 4-52 weeks (sold at discount). T-notes mature in 2-10 years (coupon payments). T-bonds mature in 20-30 years (semi-annual coupon payments). All are backed by the US government.
Are Treasury bonds taxed?
Treasury bond interest is subject to federal income tax but exempt from state and local taxes. Municipal bond interest is usually tax-free at federal and state levels.
How do I buy Treasury bonds?
You can purchase Treasury securities directly from TreasuryDirect.gov, through a broker, or as part of a treasury bond fund. Minimum purchase is typically $100.