T-bill vs HYSA vs bank bonus (California after-tax)

Treasury bill interest is federally taxable but exempt from California income tax. HYSA interest and bank bonuses are taxed by both. Simplified estimate; ignores compounding, fees, and AMT/NIIT. Not tax advice.

Amount $Months

Federal %CA %

T-bill HYSA APY %

Bonus $Bonus account APY %

Option	Pre-tax	After tax	After-tax annualized

T-bill vs HYSA vs bank bonus (California after-tax)

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