All tools

Index of every tool on RungRate for crawl paths and human navigation.

• After-Tax Yield: T-Bill vs CD vs HYSA by State (2026)

  Compare T-bill, CD, and HYSA yields after federal and state tax. T-bill interest skips state tax — see the crossover in your state.

• Auto-Roll Return Estimator — Ladder Reinvestment (2026)

  Approximate balance when each maturing rung reinvests at a constant yield.

• CD Early Withdrawal Penalty Calculator (2026)

  Estimate CD early-withdrawal cost from principal, APY, and penalty days — then compare to interest already accrued.

• Emergency Fund Ladder Planner — Liquidity Tiers (2026)

  Split cash into immediate, near-term, and longer emergency rungs.

• Tax-Equivalent Yield Calculator (State Exemption) (2026)

  Convert a state-tax-free T-bill yield into the CD/HYSA yield you would need to match after state tax.

• T-Bill Ladder Builder — Stagger 4 to 52 Weeks (2026)

  Split principal across T-bill tenors and see each rung’s face amount, approximate interest, and maturity spacing. Formula disclosed.

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