0-12 month cash
Treasury bills
-0.01 pts
3.70%
Average rate as of Apr 30, 2026
The cleanest proxy for the front end of the Treasury curve and short-term cash ladders.
Treasury field: Treasury Bills
Treasury Cash Weather
What official Treasury data says about cash right now.
T-bills, floating-rate notes, TIPS, and savings inflation securities translated into a plain-English cash plan for FIRE decisions.
Cash lane
3.73%
Average of T-bills and FRNs.
Duration spread
-0.50 pts
Notes versus the short cash lane.
Inflation link
+0.65 pts
Savings inflation securities versus T-bills.
Cash runway planner
Turn the cash lane into your runway.
Uses the current 3.73% Treasury cash lane from Apr 30, 2026 to estimate interest on emergency funds, near-term buys, or dry powder.
Monthly interest
$155
$5 per day before tax
Current runway
11.1 mo
11.5 mo after 12 months of interest
Expense offset
3.5%
$1,865 projected over 12 months
$50,000 at 3.73% earns about $1,865 per year.
That does not make cash a long-term growth engine, but it can make emergency funds and planned spending feel less idle while you protect optionality.
Treasury average rates are planning context. Bank yields, funds, taxes, liquidity, and purchase limits can differ.
Cash lane: 3.73% across T-bills and FRNs.
Duration spread: short cash beats notes by 0.50 points.
Inflation-linked savings are 0.65 points versus T-bills.
The front end is still doing enough work that reaching for duration needs a reason.
TIPS average 1.07% before inflation adjustment mechanics.
Treasury lanes
The rates behind the read
These are average interest rates on outstanding Treasury securities, not brokerage quotes or a promise of future yield.
Rate-reset cash sleeve
Floating-rate notes
+0.14 pts
3.76%
Average rate as of Apr 30, 2026
A read on floating Treasury debt for savers who want less fixed-rate duration exposure.
Treasury field: Treasury Floating Rate Notes (FRN)
1-10 year bridge
Treasury notes
+0.02 pts
3.23%
Average rate as of Apr 30, 2026
Intermediate Treasury debt for money that can stay invested past the near-term cash window.
Treasury field: Treasury Notes
Inflation hedge
TIPS
+0.07 pts
1.07%
Average rate as of Apr 30, 2026
Inflation-linked Treasury debt for spending power protection inside longer planning buckets.
Treasury field: Treasury Inflation-Protected Securities (TIPS)
Inflation-linked savings
Savings inflation securities
+0.07 pts
4.35%
Average rate as of Apr 30, 2026
A non-marketable savings-security read that helps compare inflation-linked cash alternatives.
Treasury field: United States Savings Inflation Securities
Curve baseline
Total marketable debt
+0.01 pts
3.37%
Average rate as of Apr 30, 2026
The broad marketable Treasury average, useful as a sanity check against individual lanes.
Treasury field: Total Marketable
Ladder map
Match cash to the date it gets spent
Ready cash
0-3 months
Checking and high-yield savings still own bill-pay money and true emergency cash.
Liquidity first
Bill ladder
3-12 months
T-bills are the main parking lane when the money has a near-term date.
3.70%
Floating sleeve
6-24 months
FRNs can keep a cash sleeve responsive when rates are still moving.
3.76%
Bridge money
1-5 years
Notes start to make sense when the goal is far enough away to tolerate price movement.
3.23%
Inflation hedge
2+ years
TIPS belong in the conversation when preserving spending power matters more than simplicity.
1.07%
What this data is
Fiscal Data reports monthly average interest rates on Treasury securities. EasyFIRE translates that public data into planning context for emergency funds, short-term goals, and bridge cash. It is educational context, not investment, tax, or legal advice.