T-Bill vs CD Calculator
Compare a T-bill’s BEY with a CD’s APY over the same term.
Your T-bill numbers never leave your browser — all math runs locally.Try: Face value=1000, Purchase price=980, Days to maturity=182, CD APY=4.5 → 0.0409%, 0.045%, $20, $22, CD
How to use
Enter both yields and the holding period. The calculator shows which pays more, before and after the T-bill’s federal-tax edge.
FAQ
Which wins for high earners?
The T-bill — its interest is federal-tax-free, so after-tax it usually beats a taxable CD.
Related calculators
T-Bill Yield CalculatorT-Bill Return CalculatorT-Bill Discount Yield CalculatorT-Bill Price CalculatorTreasury Bill Equivalent Yield Calculator4 Week T-Bill Calculator8 Week T-Bill Calculator13 Week T-Bill Calculator26 Week T-Bill Calculator52 Week T-Bill CalculatorT-Bill Reinvestment CalculatorT-Bill Ladder CalculatorT-Bill Calculator by DateT-Bill Yield to Maturity Calculator