💰FinanceUpdated March 2026

Free Treasury Bond Calculator 2026 — T-Bond Returns & Yields

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

  1. 1Select Treasury bond type (T-bill, T-note, T-bond).
  2. 2Enter the face value or purchase amount.
  3. 3Input the maturity period in months or years.
  4. 4View total return, annual yield, and interest earned.

Written by FreeToolCalc Team

Formulas based on standard financial/medical equations. Last updated: March 2026.

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

TypeMaturityCurrent YieldInterest
T-Bill4-52 weeks~5.1%At maturity
T-Note2-10 years~4.3%Semi-annual
T-Bond20-30 years~4.7%Semi-annual
TIPS5-30 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

Related Calculators

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Municipal Bond Calculator

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Frequently Asked 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.