Find out what your paper savings bonds are worth! The calculator will price Series EE, Series E, and Series I savings bonds, and Savings Notes. This calculator is for paper savings bonds only. For electronic savings bonds, log into TreasuryDirect.
To use an inventory you created previously, open the inventory and click whichever one of these buttons you see: "Return to Savings Bond Calculator" or "Update." This automatically updates the values of the bonds in the inventory and enables you to add bonds to the inventory.
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Beware of internet scams with a picture of this page claiming you can enter your birth certificate number to access bonds owed to you. Those claims are false, and attempts to defraud the government can be prosecuted. See Birth Certificate Bonds.
The U.S. Department of the Treasury currently sells two types of savings bonds, the EE and I series. Both series have different interest rates, which are either fixed or change with inflation. Learn more about EE bonds and I bonds, including how to:
Find out what your paper savings bonds are worth with our online Calculator. The Calculator will price paper bonds of these series: EE, E, I, and savings notes. Other features include current interest rate, next accrual date, final maturity date, and year-to-date interest earned. Historical and future information also are available.
If you have questions about any of the fields that are displayed, click the "Help" button at the top of the Calculator. You'll be taken to our help area where you can find short descriptions of what you're seeing in those fields.
You can save your inventory so you can update your paper bond values quickly and easily. All you need to do is use your browser's built-in saving function. Click "View/Print/Save List" and then when the list appears, click "File" and "Save As" and name your inventory. Make sure that you save your file as an "HTML Only" file and that you know where on your computer's hard drive it will be saved. Then click "Save." If you'd like more detail, check out our Instructions for Saving Your Inventory Page. Note: Follow these same steps when re-saving an inventory you've updated.
You can open your existing inventory (if you have one) by navigating to the folder or directory where you saved your list using a file management program such "My Computer" (for Windows users) or the "Finder" (for Mac OS users). Once you locate your file, double-click it. This should load the file into your web browser where you can click the "Return to Savings Bond Calculator" button to update the values and continue working with your inventory.
You must follow the instructions for saving your inventory (above) once you've updated the values or added or removed paper bonds. If you'd like more detail, check out our Instructions for Saving Your Inventory Page.
If you choose to report interest to the IRS annually, check out the Calculator's YTD Interest feature. It reports the amount of interest your paper bonds have accrued from the start of a year through the date you enter in the "Value as of" section. Here's how you can use this feature to calculate the amount of interest your paper bonds accrued in one calendar year:
The 5.06 percent Series EE savings bond rate is in effect for bonds issued on or after May 1, 1997, that enter semiannual earnings periods from May 1998 through October 1998 . The rate is 90 percent of the average 5-year Treasury securities yields for the preceding six months. A new interest rate is announced effective each May 1 and November 1. A 3-month interest penalty is applied to these bonds if redeemed before five years. The Series EE bonds on sale now increase in value monthly. The bond's interest rate is compounded semiannually.
Savers and investors can now open an on-line account to purchase EE Bonds in electronic form through the website www.treasurydirect.gov. Account holders can purchase, manage, and redeem such EE Bonds over the Internet 24 hours a day, seven days a week.
Series EE Bonds issued before May 1997 earn various rates for semiannual earnings periods beginning between May 1998 and October 1998 , depending on dates of issue. See the Earnings Report for earnings on Series EE bonds issued from January 1980.
Series E savings bonds continue to reach final maturity and stop earning interest. Bonds issued from May 1941 through April 1958 along with those issued from December 1965 through April 1968 have stopped earning interest. All Savings Notes, issued from May 1967 through October 1970, have stopped earning interest. Series E Bonds with issue dates shown here will reach final maturity in the next six months.
For calculating interest earned and yield, presented within the Accrual Savings Bonds Redemption Tables dataset, please see the How to Calculate Yourself and Calculate Redemption Value documents. To view the documents please click download in the newly opened page.
No bond or note was issued in the month and year where a redemption value field is null (blank). Zero values indicate NO PAY during the required minimum holding period for Series EE (series_cd = N) and I (series_cd = I) Bonds. The minimum holding period for bonds issued February 2003 and after is 12 months. Bonds issued before February 2003 had a minimum holding period of 6 months.Redemption values are calculated for $25 savings bonds and notes. Values for other denominations are proportional to the values shown. For example, the redemption value of a $50 bond is twice the amount shown.
Savings bonds are simple, safe, and affordable loans to the federal government that can be purchased by individual investors. These loans help finance the government and offer benefits to the purchaser.
Savings bonds earn interest until they reach "maturity," which is generally 20-30 years, depending on the type purchased. If a bond is held past its maturity, the federal government remains responsible for the debt. However, savings bonds that are held past their maturity date do not continue to earn interest and may actually lose value due to inflation.
Wondering how much your savings bond is worth today? Visit the Savings Bond Calculator to find the value of your paper bonds or log in to your TreasuryDirect account to determine how much your electronic bond is worth.
This chart reflects total debt held by the public, which excludes debt held by the government (known as intragovernmental). Visit the National Debt explainer to learn more about the types of debt or the U.S. Treasury Monthly Statement of the Public Debt (MSPD) dataset to explore and download this data.
Public demand for savings bonds has varied over time. Changes in interest rates or inflation can make bonds an attractive investment relative to other alternatives. In addition, investors may be motivated by the idea of supporting a national cause like a war effort or government project.
In 1963, President John F. Kennedy aimed to encourage the purchase of savings bonds by establishing the U.S. Industrial Payroll Savings Committee. This committee encouraged workers to automatically invest a portion of their paycheck in what was known as the Payroll Savings Plan, which reduced paper certificates, and moved to an electronic record-keeping system. This new program was accompanied by nationwide marketing and helped increase the profile of the savings bond program in subsequent decades.
The economy can also influence the popularity of investing in savings bonds. In times of heightened economic uncertainty, individual investors may favor savings bonds due to their low risk, even if they produce a more modest return. Conversely, economic growth may create attractive investment opportunities outside of savings bonds, where individual investors may be able to earn higher interest rates.
In general, when interest rates are higher, demand for fixed-rate savings bonds like Series EE tends to increase. However, when people expect inflation to increase, savings bonds like Series I become attractive because they provide protection against inflation, preserving the value of the money invested. In the spring of 2021, inflation in the United States began to rise over three percent and would grow to over six percent by September 2022. In response, the American public invested heavily in Series I bonds, purchasing nearly $153 billion of Series I bonds between April 2021 and February 2023. The chart below shows inflation data and I bond purchases from the last 15 years.
A savings bond can be redeemed anytime after at least one year; however, the longer a bond is held (up to 30 years), the more it earns. When a savings bond is redeemed after five years, the owner receives the original value plus all accrued interest. If a bond is redeemed before five years, the holder loses the last three months of interest.
Occasionally, bond owners hold onto bonds after they have reached maturity and are no longer earning interest. These outstanding but unredeemed bonds are called Matured Unredeemed Debt (MUD). The government continues to be responsible for this debt, as it may be redeemed at any time. Therefore, the Treasury has increased efforts to encourage bondholders to redeem their matured savings bonds. As of January 1970, there were NaN million matured unredeemed savings bonds held by investors.
Today, individuals can buy Series I and Series EE bonds online through TreasuryDirect. TreasuryDirect also offers a feature called Treasury Hunt, which allows users to search to see if there are unredeemed bonds in their name.
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If you own or are considering purchasing a U.S. savings bond, the U.S. Department of Treasury's Bureau of the Fiscal Service has designed a useful tool for determining the present and future value--as well as historical information, current interest rate, next accrual date, final maturity date, and year-to-date interest earned. Known as the Savings Bond Calculator, it can help you make more informed investment decisions about savings bonds. 152ee80cbc
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