Tax Equivalent Yield Calculator 10% Bracket

TEY when your top federal bracket is 10%.

Your numbers never leave your browser — all tax math runs locally, no account, no tracking

Try: Tax-exempt yield=3.5, Federal bracket=10, State bracket=0, NIIT=0, Investment=10000 → 3.50%, 10.00%, 3.89%, $350, 3.89%

How to use

At the 10% federal bracket with no state tax, the taxable equivalent yield is only slightly above the muni yield.

Formula

TEY = y ÷ (1 − 0.10)

FAQ

Is a muni worth it at 10%?

Barely — the tax gap is small, so a taxable bond can win on yield.

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