Yield & Margin Calculator
Model portfolio income, margin cost, and carry spread using live yield data from ARC, HYS, and AG.
Live Yield InputsIncome & Financing ModelResearch Tool
Assumptions (what this model is doing)
- • Uses current portfolio yield as a forward-looking proxy (not guaranteed).
- • Financing cost is simple interest on borrowed amount at the stated margin rate.
- • Does not model price volatility, taxes, distribution timing, or drawdowns.
How to interpret “carry spread”
Carry spread is the difference between blended portfolio yield and your margin rate. Positive spread suggests carry is additive before price moves and taxes. Breakeven margin rate is the blended yield — above it, carry turns negative.
Portfolio Yields
Customize names and yields for the simulator.
ARC Yield
1.68%
HYS Yield
4.81%
AG Yield
0.18%
Build Your Scenario
Weights: 100.00%
Portfolio
Set the total portfolio value.
Sleeve Weights
Must total 100%.
Financing
Borrowed amount and financing cost.
Optional Margin Paydown
Improves payoff timing, not carry quality.
Daily Convention
365 = calendar days
252 = trading days
Scenario Stress Test
Stress the setup under yield compression or financing changes.
Keep this collapsed for a cleaner base-case read. Open it when you want to test yield compression or financing changes.
Financing Cost & Paydown Timeline
Yearly Cost
$0.00
Monthly Cost
$0.00
Daily Cost (365)
$0.00
Margin Exposure
—
Repayment Scenarios
Dividend cash flow available for margin repayment
Monthly contribution equivalent
Not active
Weekly repayment is not being applied in the calculator
Dividend cash flow only
$0.00
Estimated monthly repayment cash flow from portfolio income only
Contribution path inactive
—
Add a weekly payment to compare a faster repayment path
Margin Paydown Estimate
Estimated months to repay borrowed margin using dividend cash flow only. Add a weekly payment to compare a second repayment path.
0–12 months
Dividend cash flow only
Repayment setup
Weekly contributions are not active, so this payoff estimate is based on dividend cash flow only
Yield Assessment
How attractive is the portfolio’s blended income before any borrowed capital is applied?
Income Minimal
Portfolio income is limited without borrowing.Unlevered portfolioBlended yield 2.16%
$0.00
Estimated monthly portfolio income
Annualized: $0.00
At the current blended yield and allocation mix, the portfolio does not generate much income on its own. This is not necessarily bad, but the income profile is modest.
Annual Income
$0.00
Blended Yield
2.16%
Margin Exposure
—
Margin Rate
Not active
Carry Spread
Not active
Portfolio Income Meter
$0.00
LowModestHealthyStrong
What matters most
• Blended yield shows the baseline income profile of the portfolio before any borrowed capital is introduced.
• Monthly and annual income help frame what the portfolio generates on its own.
• Margin metrics remain inactive until margin exposure is above 0% of portfolio value.
Notes: “Daily” uses 365 (calendar) or 252 (trading-day) convention. Monthly weekly payments use weekly × (52/12).