Institutional gilt analysis,
made for everyone.

YieldSmart shows UK investors the number that really matters — what you keep from gilts after income tax. The core tools are free to use — no account needed. New to gilts? Start with the plain-English guide.

On this page:

What we built Who it's for Why we built it Learn the tax basics →

What we built

Five tools,
one clear picture.

YieldSmart gives you the same analysis that institutional fixed income desks use — without the expensive data terminal or the jargon.

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Gilt Table

Every conventional UK gilt in issue, with gross yield, net yield at your tax rate, grossed-up equivalent, running yield, modified duration, and more. Sortable, filterable, and updated daily from live market data.

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Yield Curve

See the full UK gilt yield curve plotted at each gilt's exact maturity date — with both gross and after-tax net yield shown simultaneously. Watch the gap between the two lines change as you adjust your tax rate.

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After-Tax Calculator

Select any gilt and see your precise after-tax yield, annual income, and capital gain. Compare it against an equivalent corporate bond to understand exactly what the CGT exemption is worth to you in pounds.

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Bond Ladder Builder

Build a staggered portfolio of gilts with your tax rate applied throughout. See annual after-tax income for each rung, capital returned at each maturity, and a blended net yield for the whole portfolio.

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Comparators

Work out the break-even inflation rate between a conventional and an index-linked gilt, and see how any gilt's after-tax yield stacks up against a savings account, NS&I or a cash ISA.

Plus a dedicated page for every gilt (conventional and index-linked), email price alerts, and a full methodology behind every number.

Who it's for

Built for people who
manage their own money.

YieldSmart is for self-directed investors who want to make better decisions — not be sold products. You don't need a financial background to use it, but if you have one, you'll recognise the rigour behind it.

🏦 The ISA & SIPP investor

You're maximising your tax wrappers each year and want to understand whether gilts make sense inside or outside them — and which specific gilts give you the best risk-adjusted return. Our tools show you net yield in a general account, ISA, and SIPP side by side.

🎯 The higher-rate taxpayer

At 40% or 45%, the difference between gross and net yield is material. A 1% after-tax yield advantage on a £50,000 investment is £500 per year. Coupon income also counts towards your Personal Savings Allowance — £500 at higher rate, £0 at additional rate — so on smaller holdings the tax you actually pay can be lower than the net yield assumes. YieldSmart makes these differences visible so you can act on them.

🪜 The income planner

You want predictable income — for retirement, for a big future expense, or just for peace of mind. The bond ladder builder lets you design a gilt portfolio that returns cash to you at regular, known dates, with no credit risk.

💰 The cash saver

You have money sitting in savings accounts or fixed-term deposits and you're wondering if you're leaving money on the table. The short answer: if you pay income tax, you probably are. YieldSmart shows you exactly how gilts compare to your deposit rate after tax — in your hands, not on paper.

📚 The curious learner

You've heard gilts are worth looking at but aren't sure where to start. YieldSmart explains each concept as it appears — the running yield, the yield curve, what modified duration means — without assuming you already know.

Why we built this

Institutional insight,
for everyone.

The background

YieldSmart was built by a team with professional fixed income markets experience, gained working with institutional investors in Europe.

The tools retail investors had access to weren't good enough. So we built better ones.

In institutional fixed income, after-tax yield analysis is standard. Every credit desk knows that the gross yield is just the starting point — what matters is what the investor keeps, which depends on their tax position, their wrapper, and the structure of the instrument.

For retail investors, this kind of analysis was essentially unavailable. Most tools showed gross yield and stopped there. The CGT exemption on gilts — one of the most tax-efficient features of any UK investment — wasn't reflected anywhere in the tools ordinary investors could access.

YieldSmart changes that. We built the calculations that institutional desks use, made them work for any income tax rate and any account type, and put them on a page anyone can open on their phone. The core tools — the gilt table, yield curve, calculator and bond ladder — are free to use with no account. Advanced features like saved watchlists, portfolio tracking and historical data are part of a subscription (£3/month or £29.99/year).

This is just the beginning. We're building more tools — ISA optimisers, income projectors and richer portfolio analytics — all with the same philosophy: give retail investors the analysis they deserve.

Information only — not financial advice. Gilt prices are indicative from last available close and may be delayed. Verify before transacting. UK tax treatment depends on your circumstances and may change.

Institutional gilt analysis,made for everyone.

Five tools,one clear picture.

Built for people whomanage their own money.

Institutional insight,for everyone.

Ready to see what you actually keep?

Institutional gilt analysis,
made for everyone.

Five tools,
one clear picture.

Built for people who
manage their own money.

Institutional insight,
for everyone.