BondLadderer

BondLadderer is a web + mobile app for retail investors and advisors who want predictable income without spreadsheet chaos. It lets you build bond/CD/T-bill ladders, project monthly cashflows, and stress-test reinvestment risk under different rate paths. The app pulls live and delayed pricing/yields where available, flags callable/refinancing risks, and highlights concentration issues (issuer, sector, maturity buckets). It also tracks tax-equivalent yield for munis and estimates after-tax income by account type. This is not a magic alpha tool; it’s a decision-support and monitoring product that makes fixed-income planning less error-prone. Monetization is straightforward: subscription tiers for individuals and advisor seats, with optional data add-ons. The hard part is data licensing and accuracy—so the MVP focuses on ladder construction, cashflow projections, and alerts with a limited instrument universe (Treasuries, major brokered CDs, and a curated bond set).