BBPF Bond Sensitivity Calculator vs BondVault

The Black Belt Personal Finance (BBPF) Bond Sensitivity Calculator allows the user to play "what-if" scenarios for anticipated changes in interest rates. In the economy the Federal Reserve changes interest rates depending on the state of the economy to stimulate or cool it down. When interest rates go up or down the value of bonds and bond funds change (e.g. when interest rates go up the value of the bond goes down). The app allows you to enter the value of your bond fund and several other parameters along with the anticipated change in interest rate and then model what the impact will be on the value of your bond or bond fund. Note/Caveat: This app is meant to provide a quick and dirty back of the napkin analysis. You should consult with your financial advisor or accountant for a complete analysis.

BondVault is a simple, on-device tracker for U.S. Treasury I Bonds and EE Bonds bought through TreasuryDirect. TreasuryDirect has no mobile app and is hard to use on a phone. BondVault gives you a clean portfolio view of the savings bonds you already own. Enter each bond once — series, amount, and issue date — and BondVault estimates what it's worth today, how much interest it has earned, and when it crosses key milestones. WHAT IT DOES • Estimates current redemption value using the official Treasury composite-rate formula for I Bonds and the fixed-rate method for EE Bonds • Shows accrued interest and your total portfolio value at a glance • Flags the 3-month interest penalty that applies before 5 years, and shows each bond's penalty-free date • Tracks the May and November rate-reset schedule and 30-year final maturity • Projects future value so you can plan ahead • Keeps your bond list on your device — no account or sign-up required BONDVAULT PREMIUM (optional one-time unlock) • Track unlimited bonds (free tracks up to 3) • Full future-value projections • Remove ads IMPORTANT: BondVault is an independent, unofficial tool. It is not affiliated with, endorsed by, or connected to the U.S. Department of the Treasury, TreasuryDirect, or any government agency. Values shown are estimates calculated from published rate data and may differ from official figures. Always confirm balances and redemption values at TreasuryDirect.gov. BondVault is free and supported by ads. Premium is a single purchase that unlocks everything forever — no subscription.