All guides
Index of every guide on RungRate for crawl paths and human navigation.
CD Early Withdrawal Penalties: The Real Math
A higher CD rate is only useful if you can hold to maturity — or if the break-even still works after the penalty.
How a T-Bill Ladder Works
A ladder spreads maturities so cash returns on a schedule instead of all at once.
T-Bill Ladder vs Money Market Fund
When a bill ladder beats a money market fund — and when convenience wins.
Reinvest or Cash Out at Maturity
Maturity is a decision point, not an automatic roll — especially when tax season or rate shifts loom.
TreasuryDirect vs Brokerage: Where to Buy Bills
Both channels buy the same Treasury bills; they differ in UX, transfer friction, and how ladders are managed.
Why T-Bill Interest Skips State Income Tax
Federal statute exempts Treasury obligations from state and local taxation of the interest.
Home · Data · Methodology
Frequently asked questions
What is this for?
Index of every guide on RungRate for crawl paths and human navigation. Use the formulas and examples; change one input at a time.
Is this advice?
No. Educational estimates only. Confirm with primary sources and professionals.
How fresh are defaults?
Defaults cite as-of dates on data pages or tool notes.
Can I embed it?
Yes — keep the attribution link on the parent page.
Any AdSense code?
No ad script loader or shared pub-id is embedded here.
Result looks wrong?
Check units and model limits, then contact with URL and inputs.