Finance tools
Savings bond calculator
Free savings bond calculator and U.S. Treasury savings bond calculator for Series EE, Series I, and Patriot bonds. Enter issue month, year, and face value to see current value, interest earned, redemption value today (with early-cash-in rules), and an I bond calculator rate breakdown — plus growth chart, monthly table, and CSV/PDF export. Uses official Treasury Fiscal Data; no sign-up.
What are U.S. savings bonds?
U.S. savings bonds are low-risk Treasury securities you buy at face value (electronic bonds since 2003) and hold up to 30 years. The Treasury currently issues Series EE (fixed rate, doubles at 20 years) and Series I (fixed + inflation-adjusted rate). This savings bond value tool prices both on one page — a practical alternative when you want a quick bond value calculator without logging into TreasuryDirect.
For electronic bonds in your TreasuryDirect account, log in for exact holdings. For paper bonds, use this calculator with the issue date and denomination printed on the bond.
EE & I on one page
Toggle between Series EE savings bond calculator and Series I savings bond calculator modes — plus Patriot bonds (2001–2011).
Treasury redemption tables
Values from U.S. Treasury Fiscal Data — same source as the official TreasuryDirect pricing program.
Redemption penalty transparency
See current value and redemption value today, including the 3-month interest forfeiture before 5 years.
Chart, table & export
Growth chart, paginated monthly values, I bond rate history, and CSV/PDF download — no account required.
Related finance tools: APY calculator (HYSA yields), inflation calculator (purchasing power), and compound interest calculator (generic growth projections).
Series EE vs Series I bonds
Series EE earns a fixed rate set at purchase and is guaranteed to reach at least double face value if held 20 years. Series I earns a composite rate (fixed rate + inflation component) that resets every six months based on CPI-U.
Use the toggle above to switch modes. Patriot bonds (2001–2011) are EE or I bonds with a special imprint — same math applies.
Yahoo Finance and TreasuryDirect both note that I bonds often outpace EE bonds when inflation is elevated, while EE bonds offer the 20-year doubling guarantee. Compare your bond’s current rate in the results before cashing in.
I bond rates & composite rate (2026)
Series I bond rates have two parts: a fixed rate locked at purchase and an inflation rate that resets every May 1 and November 1 based on CPI-U. Treasury announces the new composite rate on those dates.
Current I bond composite rate (May–Oct 2026)
For bonds issued in the May 2026 earning period: 0.90% fixed + 1.67% inflation = 4.26% composite annual rate (semi-annual compounding).
Your bond’s fixed rate never changes; only the inflation component resets. Expand I bond rate history in the calculator results for your issue month.
The next rate announcement is November 1, 2026. For purchase limits and official announcements, see TreasuryDirect I bond rates.
Paper vs electronic savings bonds
Electronic bonds (TreasuryDirect since 2003): log into TreasuryDirect.gov → Current Holdings for exact values. No paper certificate — everything is in your account.
Paper bonds (legacy certificates and tax-refund I bonds): use this calculator or the TreasuryDirect paper bond tool with series, issue month/year, and denomination from the bond. Serial numbers are optional for tracking — not required for pricing.
This tool does not look up bonds by serial number (v1). Enter issue date and face value for a Treasury-table estimate.
How to calculate savings bond value
Values come from the U.S. Treasury Fiscal Data Savings Bonds Value Files — the same source behind the official TreasuryDirect calculator. Use the steps below in the calculator above.
EE bond doubling rule (20 years)
Series EE bonds are guaranteed to reach at least twice face value at 20 years from issue, even if market rates would produce less. After 20 years, the bond continues earning interest until final maturity at 30 years, then stops.
If your bond is past 20 years and still below double face value on paper, Treasury makes a one-time adjustment at the 20-year mark — the calculator reflects published redemption tables including that guarantee. Results show your EE doubling date when applicable.
When can you cash in a savings bond?
- First 12 months: Cannot redeem.
- 12 months to 5 years: Can redeem, but you forfeit the last 3 months of interest.
- After 5 years: Full redemption value with no penalty.
This tool shows both current value and redemption value today so you can see the penalty impact before cashing in. See TreasuryDirect: cashing a bond for official steps.
How to cash in savings bonds
Electronic bonds: Log into TreasuryDirect, select the bond, and redeem to your linked bank account. Funds typically arrive within two business days.
Paper bonds: Redeem at a bank or credit union that handles savings bonds, or mail them to Treasury Retail Securities Services. Bring valid ID and the bond certificate.
Interest is subject to federal income tax (not state/local). You may owe tax in the year you redeem, not while the bond accrues. Consult a tax professional for your situation — this tool does not estimate tax withholding.
Patriot bonds (2001–2011)
Patriot bonds are Series EE or Series I savings bonds issued between December 2001 and December 2011 with a special imprint. They follow the same interest rules as standard EE or I bonds — use this patriot bond calculator by selecting the correct series and issue date. Related search: patriot bond value and patriot bond serial number lookups still require series + issue date for pricing.
Savings bond value examples (Treasury data Aug 2026)
Engine-backed examples from Treasury redemption tables (data as of August 2026). Try the preset chips or enter the same details:
- $1,000 Series I bond, May 2010 → $1,578.00 current value ($578 interest).
- $1,000 Series EE bond, May 2010 → $1,254.40 current value; doubling date May 2030.
- $50 Series I bond, May 2010 → about $78.90 today.
- $50 Series EE bond, May 2010 → about $62.72 today.
- $500 Series I bond, June 2020 → about $636.20 with recent rate history in results.
How to use this calculator
Choose Series EE or Series I
Use the toggle for your bond type. Patriot bonds use the same math — pick EE or I based on the imprint.
Enter issue date and face value
Set issue month, issue year, and denomination from the bond (or use a preset chip).
Review value and redemption rules
See current value, interest earned, redemption value today (with early-cash-in penalty if applicable), and EE doubling date.
Chart, table, and export
Explore the growth chart and monthly table; expand I bond rate history when needed; download CSV or PDF.
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Frequently asked questions about this savings bond calculator
How much is a $100 savings bond worth after 30 years?
It depends on the series, issue date, and rates over 30 years. A $100 face-value bond held to final maturity could be worth several hundred dollars — or less if redeemed early. Enter your bond details above for a Treasury-table estimate tied to August 2026 data.
How much is a $1,000 savings bond worth after 10 years?
A $1,000 Series I bond issued May 2010 is worth about $1,578 today (August 2026 Treasury data) — roughly $578 in interest. A $1,000 Series EE bond from the same month is about $1,254. Your bond will differ by issue date; use the calculator above for an exact table lookup.
How much is a 20-year-old $50 savings bond worth today?
A $50 Series EE bond issued May 2005 (about 20 years old) is worth roughly $104 on August 2026 Treasury tables. A $50 Series I bond from May 2010 is about $79. Denomination and series matter — enter your exact issue date above.
How much would a $10,000 I bond be worth in 5 years?
Future value depends on inflation and the fixed rate at purchase. As a reference: a $10,000 I bond bought in May 2021 is worth about $12,584 on August 2026 tables (~5 years of growth). Newer purchases with higher composite rates may grow faster; use the calculator with your issue date.
Is it worth keeping EE bonds after 20 years?
Often yes until final maturity (30 years). EE bonds receive a one-time adjustment at 20 years if needed to reach double face value, then may continue earning interest for another 10 years. Compare current rate in the results to alternatives before cashing in.
What is a Patriot bond?
A Patriot bond is a Series EE or Series I bond issued 2001–2011 with patriotic imprint. Interest rules match the underlying series — select EE or I and your issue date in this patriot bond calculator.
What is the difference between Series EE and Series I bonds?
EE bonds earn a fixed rate and double at 20 years. I bonds earn a fixed rate plus an inflation adjustment every six months. I bonds often outperform EE when inflation is high; EE offers the doubling guarantee.
Can I cash in a savings bond before 5 years?
Yes, after 12 months, but you lose the last 3 months of interest if you redeem before 5 years. The calculator shows redemption value today with that penalty applied.
Do savings bonds stop earning interest?
Yes. All EE and I bonds stop earning at final maturity (30 years) from issue. After that date the value is frozen. The calculator shows your final maturity date in the results.
Are savings bond calculators accurate?
This tool uses the same U.S. Treasury Fiscal Data redemption tables as official pricing programs. Always confirm redemption amounts with TreasuryDirect before cashing in. Estimates are educational, not financial or tax advice.