26-Week bill
Live · Aug 28, 2026T-bills pay all interest once, at maturity — this is that payment averaged across the 26 weeks you hold it.
Every maturity, side by side
On $10,000 of principal. Tap a row to make it the main calculation.
| Term | Rate | Yield | Earned | $/month |
|---|---|---|---|---|
| 4-Week | 3.69% | 3.75% | $28.70 | $31.20 |
| 6-Week | 3.70% | 3.77% | $43.17 | $31.28 |
| 8-Week | 3.72% | 3.79% | $57.87 | $31.45 |
| 13-Week | 3.74% | 3.83% | $94.54 | $31.62 |
| 17-Week | 3.80% | 3.90% | $125.61 | $32.13 |
| 26-Week | 3.85% | 3.98% | $194.64 | $32.55 |
| 52-Week | 3.97% | 4.14% | $401.41 | $33.57 |
Ladder it for monthly payouts
Split $10,000 across maturities so cash comes back at intervals. Choose your rungs:
- 4-Week$2,500 due Sep 27, 2026+$7.18pays $2,507
- 13-Week$2,500 due Nov 29, 2026+$23.63pays $2,524
- 26-Week$2,500 due Feb 28, 2027+$48.66pays $2,549
- 52-Week$2,500 due Aug 29, 2027+$100.35pays $2,600
Roll it over
Reinvest principal + interest in a new 26-Week bill each maturity, at today's rate. Dashed line: interest kept as cash instead of compounded.
Assumes the $10,000 buys 26-Week bills at a constant 3.85% discount rate (3.98% coupon-equivalent). Future auction rates will differ.
The tax angle
T-bill interest is exempt from state and local income tax — a savings account or CD is not.
On $10,000 in 26-Week bills, that's roughly $24.74/month after federal tax. Rates above are what you entered — check your own bracket.