10-Year Treasury Bonds Historical Returns Calculator
Test how 10-year U.S. Treasury bonds performed across roughly a century of historical returns, inflation, and reinvested interest.
What the bond calculator shows
The page combines annual Treasury return data with inflation data to estimate nominal and real outcomes for a bond investing plan.
It makes bond risk visible: safer does not mean risk-free after inflation, especially when rates and prices move against you.
How to use it
Compare annual contributions, time periods, real returns, and worst-case windows to understand how bonds might stabilize a broader portfolio.
Use it alongside the stock simulator and retirement calculator to see how different asset mixes behave across history.