Savings Bond Bonds Calculator
Savings Bond Calculator works out Value on the valuation date and Interest earned from Series, Amount paid for the bond and Issue date. The default figures on this page give value on the valuation date of 1,126.84 USD; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
4 steps
- Held from 2020-01-01 to 2026-01-01 = 72 full months.
- Fixed rate = 2% a year, compounded semiannually at 1% per half-year.
- Interest is credited for 72 months: 12 completed half-years plus 0 months at [1 + i/2]^(m/6).
- Value = 1126.84
Its 5 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
4 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the Savings Bond Calculator calculates
Values a US Series EE or Series I savings bond on any date from its issue date, purchase price and Treasury-published rate, applying the monthly accrual with semiannual compounding of 31 CFR 351.32, the three-month interest penalty before five years, the 20-year doubling guarantee on EE bonds and the 30-year end of the earning period.
How to use this Savings Bond Calculator
Enter Series, Amount paid for the bond, Issue date and Value it as at. Value on the valuation date updates as you type, and “Use a worked example” loads checked figures you can adjust. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Value on the valuation date, Interest earned and Annual rate applied.
The method follows 31 CFR 351.32 - How are redemption values calculated for Series EE savings bonds, 31 CFR 351.35 - Interest rates, penalties and redemption values for Series EE bonds issued May 1, 2005 or later, TreasuryDirect - EE bonds and TreasuryDirect - I bond interest rates.
31 CFR 351.32 worked example: five months into a 5.00% rate period example
With Series: EE, Amount paid for the bond: 16, Issue date: 1997-09-01, Value it as at: 1998-02-01, the calculator returns Value on the valuation date: 16.33, Months held: 5, Months of interest credited: 5. This example is checked against an independent source in the test suite.
What you can compare
Change one input at a time to see how it affects Value on the valuation date, Interest earned and Annual rate applied. The inputs you can vary are Series, Amount paid for the bond, Issue date, Value it as at, Fixed rate for this issue date and Semiannual inflation rate (Series I only).
Understanding Value on the valuation date, Interest earned and Annual rate applied
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.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How much is a $100 savings bond worth after 20 years?
On the figures this page opens with — amount paid for the bond 16 USD and fixed rate for this issue date 5% — the value on the valuation date is 1,126.84 USD. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
How much is a $1000 savings bond worth after 10 years?
It needs Series, Amount paid for the bond, Issue date, Value it as at, Fixed rate for this issue date and Semiannual inflation rate (Series I only). Nothing else is required, and the figures stay in your browser.
How much is a $10,000 savings bond worth after 5 years?
The result gives Value on the valuation date, Interest earned, Annual rate applied, Series I composite rate, Months held and Months of interest credited, each labelled with its unit so the figure can be read on its own.
How much is a $50 savings bond worth after 30 years?
The page opens with worked default figures: value on the valuation date of 1,126.84 USD. Replace them with your own and every figure updates as you type.
What information do I need for the Savings Bond Calculator?
You need Series, Amount paid for the bond, Issue date, Value it as at, Fixed rate for this issue date and Semiannual inflation rate (Series I only). The page opens with default figures that give value on the valuation date of 1,126.84 USD, so you can see the scale before entering your own.
What does this Savings Bond Calculator show?
It shows Value on the valuation date, Interest earned, Annual rate applied, Series I composite rate, Months held, Months of interest credited, Three-month penalty applied and Doubling guarantee applied, with the working and any warnings for your entries.