Select gilts for each rung. The builder ranks by net yield after your income tax — low-coupon, deep-discount gilts often win decisively.
Total investment
Held in
Income tax rate
Ladder rungs
Pick one gilt per rung. Each rung matures at a different date — stagger them to create predictable income. Sorted by net yield to help you choose.
Allocation across rungs—
Blended net yield
—
after income tax p.a.
Blended gross yield
—
before tax p.a.
Annual coupon income
—
net of income tax
Total capital gain
—
CGT-free at maturity
Annual after-tax income per rung
Net coupon income received each year. Capital gain returned at maturity date of each rung.
Ladder summary
Rung
Gilt
Invested
Price
Face value
Net yield
Gross yield
Annual net income
Capital gain
Matures
✦ Why net yield optimisation matters
Information only — not financial advice. Gilt prices are indicative from last close (giltsyield.com, 7 May 2026). Verify before transacting. UK tax treatment may change.