TREASURY LADDER
A game that builds real cash flow

TREASURY
LADDER

The payout game that puts FUN into your Emergency FUND!

Start building a 6-month paycheck-replacement emergency fund. Buy T-Bill(s) each week, stack your cards, repeat until you have 26 weeks of maturing funds. Do it in 2 years, and you win!

Free to play · Track your own TreasuryDirect bills

4-Week
Shield
1
2
3
4
6-Week
Extension
5
6
13-Week
Bridge
7
8
9
10
11
12
13
26-Week
Ladder
14
15
16
17
···
26
T-BILL
🏛️
Matured!
26
consecutive weekly maturity rungs
One payout every week for half a year.
$13,000
minimum winning ladder
$500 Basis × 26 weeks, plus the interest you earn.
< 104
weeks — the Two-Year Challenge
Beat two years with a small weekly accelerator.

How you play

Five simple moves. The game handles the math and tells you what to buy next.

1
📅

Schedule

Schedule weekly contributions into Treasury Bills.

2
📥

Update

Import your bills from treasurydirect.gov.

3
📎

Place

Your bills are stacked on the week it will mature.

4
⏭️

Rollover

Each week your bills move up a rung. Collect what matures or rollover back to the maturity week.

5
📈

Combine

Combine smaller bills into bigger long-term ones. Build up from 4 weeks to 6 months.

Four bills. Four colors.

Each term is its own color-coded section of the ladder, with its own renewal budget. The core challenge: upgrade shorter bills into longer ones before the renewals run out.

4-Week
Shield 25 renewals
6-Week
Extension 16 renewals
13-Week
Bridge 7 renewals
26-Week
Ladder 3 renewals
26-WEEK T-BILL 26W
T-Bill # 26W-0020
Amount (Par) $1,000.00
Maturity Date Jun 16, 2026
Price per $100 $98.250
Discount per $100 $1.750
Renewals (3 max)
1 2 3
PAID TO BANK: $________ 🏛️

Replace your paycheck for 4 weeks. Then build out the rest.

Start with a minimum of $100/week with a $500/week maturity goal (basis). The board shows you exactly what matures when, what to schedule next, and shows you if you're on pace to win.

Start your ladder — it's free Read the rules first →