Work out yield curve spread instantly with clear inputs, formula shown and shareable results.
The spread between two points on the yield curve summarises its slope. A steep curve rewards lending long, a flat one removes that reward, and an inverted curve has historically preceded economic slowdowns.
Curve spread
Spread = long yield - short yield; slope = spread / maturity gap
Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.
It signals that markets expect rate cuts, usually because growth is expected to weaken sharply.
The two-to-ten-year spread is the most cited, though shorter spreads react faster to policy expectations.