BondBench

BondBench is a mobile + web app (traditional + AI) that helps individual investors sanity-check any bond or bond ETF in plain English. Users paste a CUSIP/ticker or upload a brokerage PDF, and the app breaks down the real drivers of return: duration/interest-rate sensitivity, credit risk, call/prepayment risk, liquidity, and concentration. It runs stress tests (e.g., +1% rates, recession credit spread widening) and shows what could realistically happen to price and income. The AI layer summarizes prospectuses and bond descriptions into a short “What you’re actually buying” brief, but the core calculations are deterministic and auditable. The app also flags common retail traps like “high yield” funds with hidden duration, callable bonds priced above par, or muni funds with state tax mismatch. It’s not a trading app; it’s a decision-quality lens.