Savings Bond Bonds Calculator

For electronic bonds this is what you paid. Paper EE bonds issued before 2012 were bought at half their face value.
Treasury dates a bond to the first day of the month it was bought in.
The date you want the redemption value for.
Read it off the TreasuryDirect rate table for your bond’s issue date. For an EE bond this is the whole rate.
The half-year CPI figure Treasury publishes each May and November.
31 CFR 351.32 computes definitive-bond values on a $25 base and multiplies by the denomination ratio.
Value on the valuation date
1,126.84 USD
Savings Bond Calculator
Interest earned
126.84 USD
Annual rate applied
2.000000 %
Months held
72 months
Months of interest credited
72 months
Three-month penalty applied
No
Doubling guarantee applied
No
Original maturity (20 years)
2040-01-01
Final maturity (30 years)
2050-01-01
Value at original maturity
2,000.00 USD
Value at final maturity
2,440.37 USD
Worked out from 31 CFR 351.32 - How are redemption values calculated for Series EE savings bonds and 3 other sources.
The Treasury rate that applies to your bond depends on its issue date and, for I bonds, changes every six months. Enter the rate published for your bond, and confirm the redemption figure with TreasuryDirect before relying on it.

How this is worked out

4 steps
  1. Held from 2020-01-01 to 2026-01-01 = 72 full months.
  2. Fixed rate = 2% a year, compounded semiannually at 1% per half-year.
  3. Interest is credited for 72 months: 12 completed half-years plus 0 months at [1 + i/2]^(m/6).
  4. Value = 1126.84

Results are general information, not financial, tax, legal, medical or engineering advice.