Bond yield tells you the true return on a bond investment. YTM accounts for price, coupon, and time to maturity.
Current yield = Annual Coupon / Market Price. YTM includes capital gain or loss at maturity.
This calculator earns its keep at decision points: before accepting a loan, comparing investment platforms, or negotiating salary. The difference between the headline figure and the true cost or return is only visible with accurate arithmetic.
The most consequential mistake is comparing financial figures that are not on the same basis — gross versus net, before-tax versus after-tax, or nominal versus inflation-adjusted. Always check whether figures you are comparing use the same definition.
A first-time buyer models three scenarios before making an offer: 10%, 15%, and 20% deposit on a £280,000 property. The calculator shows exactly how the monthly payment and total interest cost change with each deposit level, making the decision visible rather than speculative.
YTM is the total return anticipated if a bond is held until it matures, accounting for coupon payments and price difference.
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