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Gilt Ladder Calculator
Design a gilt ladder that funds your planned retirement spending year by year. See the cost, yield, and maturity of each rung.
Configure your gilt ladder
£25,000
£5,000£100,000
20 years
5 years40 years
4.5%
1%8%
Cost to build ladder
£325,198
Total income
£500,000
Effective yield
2.17%
| Year | Maturity value | Purchase cost | Discount |
|---|---|---|---|
| 1 | £25,000 | £23,923 | 4.3% |
| 2 | £25,000 | £22,893 | 8.4% |
| 3 | £25,000 | £21,907 | 12.4% |
| 4 | £25,000 | £20,964 | 16.1% |
| 5 | £25,000 | £20,061 | 19.8% |
| 6 | £25,000 | £19,197 | 23.2% |
| 7 | £25,000 | £18,371 | 26.5% |
| 8 | £25,000 | £17,580 | 29.7% |
| 9 | £25,000 | £16,823 | 32.7% |
| 10 | £25,000 | £16,098 | 35.6% |
| + 10 more rungs | |||
Illustrative only. Actual gilt prices depend on market conditions, coupon rates, and availability. Not financial advice.