Savings bond calculator
What are your U.S. savings bonds worth today? List your Series I, EE and E bonds, paper or electronic, to see each one's official redemption value, the interest earned, the current I bond rate, and when penalties end, EE bonds double and interest stops.
Quick answer: In Nov 2026, a $100 paper I bond bought in January 2020 is worth $131.00, and a $100 paper EE bond bought in January 2010 for $50 is worth $61.28, by the Treasury's official redemption values.
By John Crane, MBA & the Editorial Team · Updated for the 2026 tax year. How we check our numbers
Your bonds are worth, Oct 2026
$1,382.28
You paid $1,150 and have earned $232 in interest, growing $4.00 by Nov 2026
| What you paid | $1,150 | 83.2% |
|---|---|---|
| Interest earned | $232 | 16.8% |
- Total value
- $1,382.28
- Interest earned
- $232.28
- Bonds
- 3
- Still in the penalty period
- 1
- Stopped earning
- 0
- Added by Nov 2026
- $4.00
Each bond
| Bond | Value | Interest | Rate | Status |
|---|---|---|---|---|
| $100 I issued Jan 2020 | $130.64 | $30.64 | 4.28% 0.20% fixed | Earning until Jan 2050 |
| $100 EE issued Jan 2010 | $61.24 | $11.24 | doubles Jan 2030 | Earning until Jan 2040 |
| $1,000 I (electronic) issued May 2022 | $1,190.40 | $190.40 | 4.08% 0.00% fixed | 3-month penalty until May 2027 |
Value by bond
What happens next
| When | Event |
|---|---|
| May 2027 | $1,000 I (electronic): the 3-month interest penalty ends |
| Jan 2030 | $100 EE is guaranteed to reach $100 (double its price) |
| Jan 2040 | $100 EE stops earning interest (30 years) |
| Jan 2050 | $100 I stops earning interest (30 years) |
| May 2052 | $1,000 I (electronic) stops earning interest (30 years) |
Values are the Treasury's official redemption values for Oct 2026 (U.S. Treasury Fiscal Data), already reduced by the 3-month interest penalty for bonds under 5 years old. Interest is added on the first of each month. Bond values from the Treasury are published about twice a year, through May 2027.
How this is calculated
Official values
Values come from the Treasury's savings bond value files on Fiscal Data, the same redemption values its own calculator uses, published for a $25 bond and scaled to yours. Electronic bonds follow 31 CFR 359 and 351: (purchase / 100) times the value of a $100 bond, rounded to the cent, with EE bonds counted at twice their price.
I bonds
An I bond's rate combines a fixed rate set when it was bought with an inflation rate reset every May and November: fixed + 2 x inflation + fixed x inflation. Interest is added monthly and compounds every six months. Bonds cannot be cashed in the first 12 months, and cashing before 5 years costs the last 3 months of interest.
EE and E bonds
EE bonds bought since May 2005 earn a fixed rate and are guaranteed to double in value at 20 years; paper EE bonds cost half their face value. All savings bonds stop earning at 30 years (Series E bonds have all reached final maturity), so they are worth cashing then.
Sources
Related guides
- I bonds vs high-yield savings vs CDsCurrent I bond, savings and CD rates side by side, the lockups, penalties and taxes, and which fits an emergency fund, a near-term goal or inflation.
Questions
How much is a $100 savings bond worth?
It depends on the series and issue date. In October 2026, a $100 paper I bond bought in January 2020 is worth $130.64, and a $100 EE bond bought in January 2010 (for $50) is worth $61.24, reaching $100 in January 2030.
When should I cash my savings bonds?
Bonds that are 30 years old earn nothing more, so cash them. Before 5 years you lose the last 3 months of interest. EE bonds bought since 2005 should usually be held to 20 years, when they double.
Is savings bond interest taxable?
Interest is subject to federal income tax but exempt from state and local income tax. You can report it when you cash the bond or each year, and it may be tax-free if used for qualified higher education expenses.