After-Tax Yield Calculator

Compare post-tax income from savings, CDs, Treasuries, and money-market funds using federal and state assumptions.

Rates as of Methodology

Assumptions

$100,000 · Fed 24% · Federal-only estimate

Fed rate
%
State
Federal-only estimate — select a state to include state income tax.
100 results

Savings

3.30%
after-tax
Pre-tax
4.34%
Est. income
$3,298
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

ValorFI Heroes · Savings

3.23%
after-tax
Pre-tax
4.25%
Est. income
$3,230
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

3.20%
after-tax
Pre-tax
4.21%
Est. income
$3,200
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

3.15%
after-tax
Pre-tax
4.15%
Est. income
$3,154
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Always Bank · Savings

3.12%
after-tax
Pre-tax
4.10%
Est. income
$3,116
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

3.12%
after-tax
Pre-tax
4.10%
Est. income
$3,116
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

3.08%
after-tax
Pre-tax
4.05%
Est. income
$3,078
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
3.05%
after-tax
Pre-tax
4.01%
Est. income
$3,048
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

3.05%
after-tax
Pre-tax
4.01%
Est. income
$3,048
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

3.05%
after-tax
Pre-tax
4.01%
Est. income
$3,048
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Limelight Bank · Savings

3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

First Bank of the Lake · Savings

3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Credit One Bank · Savings

3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Vio Bank · Savings

3.03%
after-tax
Pre-tax
3.99%
Est. income
$3,032
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
3.02%
after-tax
Pre-tax
3.98%
Est. income
$3,025
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: Aug 14, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.

Savings

3.00%
after-tax
Pre-tax
3.95%
Est. income
$3,002
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
3.00%
after-tax
Pre-tax
3.95%
Est. income
$3,002
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: Aug 14, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.

Savings

2.96%
after-tax
Pre-tax
3.90%
Est. income
$2,964
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.96%
after-tax
Pre-tax
3.90%
Est. income
$2,964
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.96%
after-tax
Pre-tax
3.90%
Est. income
$2,964
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
2.95%
after-tax
Pre-tax
3.88%
Est. income
$2,949
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: Aug 14, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
2.93%
after-tax
Pre-tax
3.86%
Est. income
$2,934
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: Aug 14, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
2.93%
after-tax
Pre-tax
3.85%
Est. income
$2,926
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.93%
after-tax
Pre-tax
3.85%
Est. income
$2,926
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.93%
after-tax
Pre-tax
3.85%
Est. income
$2,926
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
2.90%
after-tax
Pre-tax
3.81%
Est. income
$2,896
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: Aug 14, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.

Savings

2.89%
after-tax
Pre-tax
3.80%
Est. income
$2,888
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.89%
after-tax
Pre-tax
3.80%
Est. income
$2,888
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 7, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
2.89%
after-tax
Pre-tax
3.80%
Est. income
$2,888
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.89%
after-tax
Pre-tax
3.80%
Est. income
$2,888
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.89%
after-tax
Pre-tax
3.80%
Est. income
$2,888
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
2.89%
after-tax
Pre-tax
3.80%
Est. income
$2,888
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: Aug 14, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
2.88%
after-tax
Pre-tax
3.79%
Est. income
$2,880
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: Aug 14, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.

Savings

2.85%
after-tax
Pre-tax
3.75%
Est. income
$2,850
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 14, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Sallie Mae Bank · Savings

2.85%
after-tax
Pre-tax
3.75%
Est. income
$2,850
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.85%
after-tax
Pre-tax
3.75%
Est. income
$2,850
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
2.85%
after-tax
Pre-tax
3.75%
Est. income
$2,850
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Redneck Bank · Savings

2.81%
after-tax
Pre-tax
3.70%
Est. income
$2,812
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.81%
after-tax
Pre-tax
3.70%
Est. income
$2,812
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

TFLO · BlackRock · Money Market

2.81%
after-tax
Pre-tax
3.70%
Est. income
$2,812
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Treasury ETF distributions; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 99.21% (2025).
State-tax exclusion is not applied until a state is selected.
BlackRock marked this fund as meeting the quarterly federal-obligations threshold.

VUSXX · Vanguard · Money Market

2.80%
after-tax
Pre-tax
3.68%
Est. income
$2,797
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Treasury money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 100% (2025).
State-tax exclusion is not applied until a state is selected.
Vanguard marked this fund as meeting the CA, CT, and NY threshold requirements.

PMMF · BlackRock · Money Market

2.79%
after-tax
Pre-tax
3.67%
Est. income
$2,789
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Prime money-market fund dividends; state exemption uses reviewed fund-specific U.S. government obligation allocation data when available.
U.S. government obligations: 0.09% (2025).
State-tax exclusion is not applied until a state is selected.
iShares reports PMMF ordinary dividends derived from U.S. government obligations at 0.09%.

VMRXX · Vanguard · Money Market

2.75%
after-tax
Pre-tax
3.62%
Est. income
$2,751
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Money-market fund dividends; U.S. government obligation state exclusion requires fund-specific annual allocation data.
U.S. government obligations: 69.58% (2025).
State-tax exclusion is not applied until a state is selected.
Vanguard marked this fund as meeting the CA, CT, and NY threshold requirements.

VBIL · Vanguard · Money Market

2.75%
after-tax
Pre-tax
3.62%
Est. income
$2,751
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Treasury ETF distributions; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 100% (2025).
State-tax exclusion is not applied until a state is selected.
Vanguard marked this fund as meeting the CA, CT, and NY threshold requirements.

Savings

2.74%
after-tax
Pre-tax
3.61%
Est. income
$2,744
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.74%
after-tax
Pre-tax
3.61%
Est. income
$2,744
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

VMFXX · Vanguard · Money Market

2.74%
after-tax
Pre-tax
3.61%
Est. income
$2,744
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Government money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 66.61% (2025).
State-tax exclusion is not applied until a state is selected.
Vanguard marked this fund as meeting the CA, CT, and NY threshold requirements.

SGOV · BlackRock · Money Market

2.74%
after-tax
Pre-tax
3.60%
Est. income
$2,736
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Treasury ETF distributions; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 95.14% (2025).
State-tax exclusion is not applied until a state is selected.
BlackRock marked this fund as meeting the quarterly federal-obligations threshold.

TTTXX · BlackRock · Money Market

2.72%
after-tax
Pre-tax
3.58%
Est. income
$2,721
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Treasury money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 95.2% (2025).
State-tax exclusion is not applied until a state is selected.
Treasury Trust Fund reported 95.20% income from Federal Obligations. The separate 99.59% Interest Income line is not used for state exemption modeling.

BIL · State Street · Money Market

2.68%
after-tax
Pre-tax
3.53%
Est. income
$2,683
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Jul 25, 2026
Treasury ETF distributions; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 97.26% (2025).
State-tax exclusion is not applied until a state is selected.
Percentage loaded from State Street/SPDR source document, Secondary Layout sheet, column "% of Income From Federal Securities".

CIBC Bank USA · Savings

2.68%
after-tax
Pre-tax
3.52%
Est. income
$2,675
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.67%
after-tax
Pre-tax
3.51%
Est. income
$2,668
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

GMMF · BlackRock · Money Market

2.67%
after-tax
Pre-tax
3.51%
Est. income
$2,668
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Government money-market ETF dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 56.43% (2025).
State-tax exclusion is not applied until a state is selected.
BlackRock marked this fund as meeting the quarterly federal-obligations threshold.
2.66%
after-tax
Pre-tax
3.50%
Est. income
$2,660
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.66%
after-tax
Pre-tax
3.50%
Est. income
$2,660
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Robinhood · Savings

2.66%
after-tax
Pre-tax
3.50%
Est. income
$2,660
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

SWVXX · Schwab · Money Market

2.66%
after-tax
Pre-tax
3.50%
Est. income
$2,660
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Prime money-market fund dividends; modeled fully taxable for federal and state income tax.

FZDXX · Fidelity · Money Market

2.64%
after-tax
Pre-tax
3.47%
Est. income
$2,637
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Prime money-market fund dividends; state exemption uses reviewed fund-specific U.S. government obligation allocation data when available.
U.S. government obligations: 14.56% (2025).
State-tax exclusion is not applied until a state is selected.
Fidelity reports FZDXX eligible income from U.S. government securities at 14.56%.

Savings

2.62%
after-tax
Pre-tax
3.45%
Est. income
$2,622
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

SNSXX · Schwab · Money Market

2.59%
after-tax
Pre-tax
3.41%
Est. income
$2,592
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Treasury money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 99.99% (2025).
State-tax exclusion is not applied until a state is selected.
Percentage applies to all share classes.

SNVXX · Schwab · Money Market

2.57%
after-tax
Pre-tax
3.38%
Est. income
$2,569
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Government money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 36.2% (2025).
State-tax exclusion is not applied until a state is selected.
Percentage applies to all share classes.

SNOXX · Schwab · Money Market

2.56%
after-tax
Pre-tax
3.37%
Est. income
$2,561
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Treasury money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 31.3% (2025).
State-tax exclusion is not applied until a state is selected.
Percentage applies to all share classes.

FDLXX · Fidelity · Money Market

2.56%
after-tax
Pre-tax
3.37%
Est. income
$2,561
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Treasury money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 98.67% (2025).
State-tax exclusion is not applied until a state is selected.
All share classes are reported under Various symbols in the Fidelity source.

Vanguard · Savings

2.55%
after-tax
Pre-tax
3.35%
Est. income
$2,546
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

SPRXX · Fidelity · Money Market

2.54%
after-tax
Pre-tax
3.34%
Est. income
$2,538
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Prime money-market fund dividends; state exemption uses reviewed fund-specific U.S. government obligation allocation data when available.
U.S. government obligations: 14.56% (2025).
State-tax exclusion is not applied until a state is selected.
Fidelity reports SPRXX eligible income from U.S. government securities at 14.56%.

SPAXX · Fidelity · Money Market

2.52%
after-tax
Pre-tax
3.31%
Est. income
$2,516
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
Government money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 50.9% (2025).
State-tax exclusion is not applied until a state is selected.
All share classes are reported under Various symbols in the Fidelity source.

Savings

2.51%
after-tax
Pre-tax
3.30%
Est. income
$2,508
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.51%
after-tax
Pre-tax
3.30%
Est. income
$2,508
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.51%
after-tax
Pre-tax
3.30%
Est. income
$2,508
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Fidelity · Savings

2.51%
after-tax
Pre-tax
3.30%
Est. income
$2,508
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.48%
after-tax
Pre-tax
3.26%
Est. income
$2,478
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Mercury · Savings

2.47%
after-tax
Pre-tax
3.25%
Est. income
$2,470
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.47%
after-tax
Pre-tax
3.25%
Est. income
$2,470
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#78M1

Savings

2.36%
after-tax
Pre-tax
3.10%
Est. income
$2,356
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#79SoFi

Savings

2.36%
after-tax
Pre-tax
3.10%
Est. income
$2,356
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
2.29%
after-tax
Pre-tax
3.01%
Est. income
$2,288
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.28%
after-tax
Pre-tax
3.00%
Est. income
$2,280
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.28%
after-tax
Pre-tax
3.00%
Est. income
$2,280
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

2.28%
after-tax
Pre-tax
3.00%
Est. income
$2,280
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#84Ally

Savings

2.28%
after-tax
Pre-tax
3.00%
Est. income
$2,280
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Citizens Bank · Savings

2.13%
after-tax
Pre-tax
2.80%
Est. income
$2,128
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

SWTXX · Schwab · Money Market

2.06%
after-tax
Pre-tax
2.06%
Est. income
$2,060
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
National municipal money-market fund; federal exempt-interest treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
Schwab reports 2025 state-by-state exempt-interest income percentages for SWTXX/SWOXX.

Savings

2.05%
after-tax
Pre-tax
2.70%
Est. income
$2,052
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

SWYXX · Schwab · Money Market

2.00%
after-tax
Pre-tax
2.00%
Est. income
$2,000
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
New York municipal money-market fund; tax treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
Schwab reports 2025 state-by-state exempt-interest income percentages for SWYXX/SNYXX.

Savings

1.98%
after-tax
Pre-tax
2.60%
Est. income
$1,976
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

VMSXX · Vanguard · Money Market

1.83%
after-tax
Pre-tax
1.83%
Est. income
$1,830
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
National municipal money-market fund; federal exempt-interest treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
AMT percentage is sourced from Vanguard 2025 Alternative minimum tax tax-preference dividends by fund.
12.45% private activity bond AMT exposure is not modeled.

VYFXX · Vanguard · Money Market

1.81%
after-tax
Pre-tax
1.81%
Est. income
$1,810
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
New York municipal money-market fund; tax treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
AMT percentage is sourced from Vanguard 2025 Alternative minimum tax tax-preference dividends by fund.
11.37% private activity bond AMT exposure is not modeled.

SWKXX · Schwab · Money Market

1.78%
after-tax
Pre-tax
1.78%
Est. income
$1,780
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
California municipal money-market fund; tax treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
Schwab reports 2025 state-by-state exempt-interest income percentages for SWKXX/SCAXX.

FTEXX · Fidelity · Money Market

1.58%
after-tax
Pre-tax
1.58%
Est. income
$1,580
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
National municipal money-market fund; federal exempt-interest treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
Federal exempt-interest treatment is sourced from Fidelity tax-exempt income guidance; AMT percentage is from the Fidelity 2025 AMT supplemental letter.
50.93% private activity bond AMT exposure is not modeled.

VCTXX · Vanguard · Money Market

1.57%
after-tax
Pre-tax
1.57%
Est. income
$1,570
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 15, 2026
California municipal money-market fund; tax treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
AMT percentage is sourced from Vanguard 2025 Alternative minimum tax tax-preference dividends by fund.
14.68% private activity bond AMT exposure is not modeled.

Savings

0.76%
after-tax
Pre-tax
1.00%
Est. income
$760
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
0.29%
after-tax
Pre-tax
0.38%
Est. income
$289
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

0.19%
after-tax
Pre-tax
0.25%
Est. income
$190
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

Savings

0.11%
after-tax
Pre-tax
0.15%
Est. income
$114
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

USFR · WisdomTree · Money Market

0.11%
after-tax
Pre-tax
0.15%
Est. income
$114
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: Aug 14, 2026
Treasury ETF distributions; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 99.95% (2025).
State-tax exclusion is not applied until a state is selected.
Underlying source reports 99.9523%; rounded to two decimals for the modeled allocation.
#100BMO

Savings

0.01%
after-tax
Pre-tax
0.01%
Est. income
$8
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: Aug 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

How this estimate works

YieldFinder starts with each product's current pre-tax yield and estimates how much income remains after the federal and state marginal-rate assumptions shown above.

After-tax yield = pre-tax yield - estimated federal tax cost - estimated state tax cost. Annual income = balance x after-tax yield.

Savings accounts and CDs are modeled as ordinary taxable interest. Treasuries are modeled as federally taxable and state-tax exempt.

Money-market funds are different from bank savings accounts. Their distributions are generally modeled as dividends, and state-tax treatment depends on fund-specific annual tax allocation data. For Treasury and government money-market funds, YieldFinder uses the fund's reported U.S. government obligation percentage when available. For municipal funds, federal exemption, state exemption, and AMT exposure depend on fund-specific data.

If no state is selected, results are federal-only. If fund-specific tax allocation data is missing, that product is omitted from the ranked table.

This is a simplified marginal-rate estimate, not tax advice.

Tax treatment source: IRS Publication 550.

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