BondLadder

BondLadder is a web + mobile app that helps retail investors and RIAs design, compare, and maintain bond ladders using real, tradable CUSIPs (Treasuries, agencies, and investment-grade corporates where data is available). Users enter goals (income, duration, liquidity needs, tax status), and the app proposes multiple ladder options with clear tradeoffs: yield, duration, convexity, call risk, credit concentration, and estimated after-tax income. It flags “gotchas” people routinely miss—callable bonds that ruin cashflow plans, tiny lots with awful spreads, and concentration in a single issuer. It also tracks upcoming maturities/coupons and suggests reinvestment actions. This is a combination traditional + AI app: traditional for calculations and data integrity, AI for plain-English explanations, scenario summaries, and risk disclosures. It does not pretend to beat the market; it prevents dumb, expensive errors.