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Calculate the net yield of BTP
With the BTP investment simulator you can discover in real time how much you can earn by purchasing BTPs today and bringing them to maturity

BTPs, BOTs, CTZs and CCTs

Government Bonds

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BTP training

BTPs, BOTs, CTZs and CCTs
Here is an overview of the main Italian public debt instruments: BTP, BOT, CTZ and CCT.

  1. BTP (Buoni del Tesoro Poliennale)
    • Description: Long-term government bonds with fixed coupons.
    • Maturities: From 3 to 30 years.
    • Yield: Coupons are paid semi-annually and the yield is fixed at the time of issue.
    • Objective: Financing of long-term public debt.
  2. BOT (Buoni Ordinari del Tesoro)
    • Description: Short-term government bonds, with no coupon.
    • Maturities: Generally 3 to 12 months.
    • Yield: They are issued at a lower price than the nominal value; the yield is given by the difference between the purchase price and the nominal value repaid at maturity.
    • Objective: Short-term liquidity management.
  3. CTZ (Zero Coupon Treasury Certificates)
    • Description: Government bonds with no coupons, similar to BOTs but with longer maturities.
    • Maturities: From 24 to 36 months.
    • Yield: Also in this case, the yield is determined by the difference between the purchase price and the nominal value repaid at maturity.
    • Objective: Medium-term debt financing.
  4. CCT (Certificates of Credit of the Treasury)
    • Description: Medium-long term government bonds with variable coupons linked to market interest rates.
    • Maturities: Generally 7 to 10 years.
    • Yield: Coupons are paid semi-annually and vary based on the performance of Euribor rates or other reference indices.
    • Objective: Medium-long term financing with protection against interest rate risk.
Conclusion
These instruments offer different investment opportunities based on investors' needs for yield and liquidity.

Information on BTPs

Choose a topic from the list below and learn more about it
Liquidity risk of BTPs
Taxation on BTPs
MOT Market
BTPs and risks
The yield of a BTP
Dividends
Stock Market Calendar and Trading Hours
Is it worth investing in BTPs?
BTPs, BOTs, CTZs and CCTs
The price of a BTP
Choosing between BTPs and STOCKS
Interest rate risk in BTPs
Selling BTPs before maturity
The coupons of BTPs
The periodicity of BTPs
The maturity of a BTP
Capital gains
Selling BTPs at maturity
What is a bond
The profit from a BTP
Capital losses
Buying a BTP below par
Inflation and BTPs
Buying BTPs
Reinvestment risk of BTPs
Inflation risk of BTPs
Types of BTPs
Macroeconomic risks
Secondary Market
Capital gains
Credit risk of BTPs
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How to calculate the yield of an investment in BTPs

The coupons are quarterly with minimum guaranteed rates and increasing over time at pre-established deadlines. A premium is provided for those who purchase the security during the placement phase and keep it until maturity.

How to calculate BTPs

Enter how much to invest in BTPs in the simulator and the net yield will be immediately calculated by processing the purchase price, maturity of the security, interest on the coupons, purchase day, amount of the investment, preferential taxation of 12.5%

BTP net yields, BTPs in real time

The net yields of BTPs are the yields that an investor can actually receive after taxation. The yields of government bonds are subject to a taxation of 12.5%; stay updated for free on BTPfacile.it on BTP prices and consult all the relevant data such as the net coupon, net yield and maturity

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What they say about us

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Davide
Thank you for your work
BTPfacile.it is a truly invaluable tool! Good morning, I just wanted to thank you for your excellent work with BTPfacile.it. I've been using it for some time now and am always impressed by its clarity, simplicity, and usefulness. Thanks to your website, I was able to find the best BTPs in just a few minutes, not only for myself, but also for friends and acquaintances, to whom I was able to give concrete advice based on real data. You've saved me time and made investing in government bonds much more understandable and accessible. If I could, I would actually send you a bank transfer as a symbolic gesture for the value you've created! Keep up the good work. Your project is incredibly useful and deserves to be known by more and more people. Kind regards, Davide
Simone
BTPfacile.it is really interesting! It is a great tool for those who want to invest in BTPs and better understand the potential returns.
Ettore
I've been using BTPfacile.it for some time and can confidently say it's one of the most useful and intuitive tools for those who want to invest in Italian government bonds (BTPs) with an informed mind. The site is clear, fast, free, and displays the average annual net yield in just a few seconds, something that's often difficult to understand with official data. Thanks to BTPfacile.it's BTP investment simulator and the ability to filter by maturity, type, and yield, I can always find the right security for my needs. I regularly recommend it to friends and family, even those with little investment experience: everyone finds it simple to use and very helpful in understanding what they're really buying. Congratulations to the team: you're doing a great job!
Disclaimer
All information presented on BTPfacile.it is intended for informational purposes only and does not in any way constitute investment, savings, legal, or tax advice. The data displayed is generated automatically by our systems, and despite our continuous effort to provide the best possible service and the best online BTP investment simulator, we do not guarantee the accuracy of the information and assume no liability regarding the use of such information. Quotes may be subject to delays (at least 15–20 minutes) and are purely indicative. BTPfacile.it is an autonomous and independent software project. It has no link, affiliation, partnership, or connection with other companies, platforms, commercial brands, or third-party comparison sites operating on the web, and does not constitute a registered journalistic publication pursuant to Italian Law 62/2001.
The BTPfacile.it team