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Taxes

Tax-Equivalent Yield

Also called: taxable equivalent yield, TEY

Tax-equivalent yield converts a tax-free yield into the taxable yield that would leave you equally well off, so municipal and corporate bonds can be compared honestly. At a 35% marginal rate, a 3.5% muni is worth a 5.4% taxable bond. Because the answer depends on your bracket, the same bond is a bargain for one investor and poor value for another.

Formula

Tax-equivalent yield = Tax-free yield ÷ (1 − Marginal tax rate)

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