Bonds: SimplifiedWhat does it do?
Bonds: Simplified helps you calculate fixed income values, compare scenarios, and inspect MBS prepayment behavior in one focused app.
Bonds: Simplified
Professional bond analytics, redesigned. Quality fixed income analysis without expensive services.
Questions?
New: Fixed-rate bullet bond calculator with multi-scenario comparison and stress testing.
Comprehensive Bond Tools with Dynamic Results
Who is it for?
It is built for fixed income professionals, students, advisors, and analysts who want clearer bond and mortgage-backed security calculations.
Which MBS analytics are included?
The app supports PSA and CPR prepayment sensitivity, spread metrics, rate shocks, horizon yield curve interpolation, balances, income streams, and amortization schedules.
Where do market rates come from?
The app fetches publicly available U.S. Treasury yield data for market-rate context. These requests do not include personal information.
Is personal data collected?
No account is required. The privacy policy states there are no third-party analytics or advertising SDKs, and support email is used only to respond to requests.
Advanced MBS Analytics
Get insight into mortgage-backed securities that usually cost a lot more. Configure parameters, input pricing, and instantly see spreads and key performance metrics. Side-by-side prepayment sensitivity tables support both PSA and CPR methodologies with sensitivity ranging from -300 to +300 basis points.
Understand Sensitivity
Visualize how bond prices respond to changing market conditions. Interactive binomial pricing trees show call decision logic, while sensitivity matrices reveal price impacts across yield and coupon variations.
- Binomial trees with call exercise visualization
- Price sensitivity matrices for yield/coupon scenarios
- Duration approximation and key insights
Educational Resources
Understanding the mechanics behind fixed income valuation is crucial. Bonds: Simplified not only performs the calculations but helps you understand the underlying assumptions and methodologies, making you a more informed analyst.
- Interactive learning library with structured paths
- Basic, Intermediate, and Advanced topics
- Interactive demonstrations and animations
- Bookmark terms for quick reference
Accessible Market Data
Pull US Treasury yield curve updates through modern APIs for accurate spread analysis. Seamless integration of current market rates into your calculations with historical rate tracking for trend analysis.
- Real-time Treasury yield curve updates
- Historical rate tracking for trend analysis
- Change heat map over dynamic dates
- Key spread metrics at a glance
Professional Analytics on iPhone
Full MBS analytics optimized for iPhone. Dynamic rate shock analysis compares baseline speeds across interest rate environments. Review scenarios, analyze prepayment speeds, and make informed decisions from anywhere.
- Horizon yield curve interpolation with customizable time horizons
- Detailed amortization schedules with period-by-period prepayment speeds
- Rich graphical representations of balances and income streams
- Smart defaults with full customization
Continuously Improving
Continuous development brings new analytical capabilities based on user feedback, ensuring the app evolves with your professional needs. Version 2025.12 introduces a modern glass-style interface, enhanced MBS analytics, and calculation history.
- Beautiful interface built with Apple's latest design principles
- CPR and PSA prepayment model selection
- Enhanced effective duration and convexity
- Automatic calculation history
Perfect For
- Fixed income analysts and portfolio managers
- Financial advisors working with bond portfolios
- Real estate professionals analyzing mortgage securities
- Students and professionals learning fixed income markets
- Anyone requiring professional bond analytics without institutional costs
Plain-English Glossary
- MBS
- Mortgage-backed security: a bond backed by pools of mortgage loans.
- PSA
- A standard prepayment speed model used to estimate how quickly mortgage principal is paid down.
- CPR
- Conditional prepayment rate: the annualized rate at which borrowers are expected to prepay mortgage principal.
- bps
- Basis points. One basis point is 0.01 percentage point, so 100 bps equals 1%.
- Yield curve
- A line showing interest rates across maturities, such as short-term and long-term Treasury rates.
- Rate shock
- A test that moves rates up or down to show how calculations may change under different conditions.
Bonds: Simplified democratizes professional fixed income analysis with the reliability and accuracy you demand.
Important: All calculations and valuations are estimates for analytical purposes and should not be relied upon for actual investment transactions. Please consult with qualified financial professionals for investment decisions.