26-Week bill
Live · Oct 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 | 3.90% | 3.97% | $30.33 | $32.97 |
| 6-Week | 3.94% | 4.01% | $45.97 | $33.31 |
| 8-Week | 4.00% | 4.08% | $62.22 | $33.82 |
| 13-Week | 4.01% | 4.11% | $101.36 | $33.90 |
| 17-Week | 4.12% | 4.23% | $136.19 | $34.83 |
| 26-Week | 4.18% | 4.33% | $211.32 | $35.34 |
| 52-Week | 4.27% | 4.47% | $431.74 | $36.10 |
Ladder it for monthly payouts
Split $10,000 across maturities so cash comes back at intervals. Choose your rungs:
- 4-Week$2,500 due Nov 26, 2026+$7.58pays $2,508
- 13-Week$2,500 due Jan 28, 2027+$25.34pays $2,525
- 26-Week$2,500 due Apr 29, 2027+$52.83pays $2,553
- 52-Week$2,500 due Oct 28, 2027+$107.94pays $2,608
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 4.18% discount rate (4.33% 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 $26.86/month after federal tax. Rates above are what you entered — check your own bracket.