BondLadder

BondLadder is a web + mobile app that helps individual investors design and maintain bond ladders (Treasuries, CDs, and high-quality corporates) with clear cash-flow planning. You enter your goals (income vs. principal preservation), time horizon, tax bracket, and account type (taxable/IRA). The app pulls live yield curves and available issues, then proposes ladder rungs with expected cash flows, duration, and reinvestment dates. It flags common retail traps: callable bonds with misleading yields, low-liquidity issues with wide spreads, and concentration by issuer or maturity. It also tracks “roll down” and reinvestment reminders so the ladder doesn’t decay into a random pile of bonds. This is not a trading terminal; it’s a planning and monitoring layer that can export an order list to your broker. Expect limitations: data quality and brokerage integrations will make or break the experience.