YieldLadder

YieldLadder is a mobile + web app that helps people build and maintain a “cash ladder” using FDIC-insured savings accounts, CDs, and short-term U.S. Treasury bills. Users connect their banks/brokerage (read-only), set a target cash reserve and time horizon, and the app proposes a ladder (e.g., 4-week, 8-week, 13-week T-bills plus a high-yield savings buffer). It tracks upcoming maturities, reinvestment options, and the real after-tax yield based on the user’s state and federal situation. The app is brutally practical: it won’t pretend to beat markets; it focuses on minimizing idle cash and reducing decision fatigue. It also flags common traps like teaser APYs, minimum balance gotchas, and early withdrawal penalties. Revenue comes from a subscription; no payment-for-order-flow gimmicks are required.