Savings Bond Value Calculator: What Your Bonds Are Worth

01Look Up a Bond

The issue date is the month and year printed on the bond, usually in the upper right; the bond earns interest from the first day of that month. You can add several bonds to a list and download it.

Where to Find the Details on a Paper Bond

A simplified layout, not an actual bond; designs changed over the decades. Look for (1) the series, (2) the issue date, a month and year, often in the upper right, with the series letters also at the end of the serial number, and (3) the face value printed in large type. Older E bonds may show only the issue month and year in a corner.

02What $1,000 Put Into a Savings Bond Is Worth Now

October 2026 value of $1,000 paid for paper bonds, by issue month: Series E (bought at 75% of face value, 1941 to 1980), Series EE (bought at half of face value, 1980 to 2011, when paper bonds were discontinued) and Series I (bought at face value, from 1998). E bonds and older EE bonds have stopped earning, so their values no longer grow. Bonds bought in the last 12 months cannot be cashed yet and are not shown. Source: U.S. Treasury Savings Bonds Value Files.

Value of a $100 Bond Bought in January, by Year

October 2026 value of a $100 face value paper bond issued in January of each year. Paper bonds were last sold in 2024 (I bonds through tax refunds) and 2011 (EE bonds), so later years are not shown. Bonds issued in other months of the same year can be worth more or less; use the calculator for an exact issue month.

03How I Bond Rates Work

An I bond earns a composite rate made of two parts. The fixed rate is set when you buy and stays with the bond for 30 years. The inflation rate is reset every six months, on May 1 and November 1, from the change in the consumer price index (CPI-U) over the six months ending the previous March or September. The Treasury combines them with this formula: fixed rate + (2 x six-month inflation rate) + (fixed rate x six-month inflation rate). The composite rate cannot go below zero.

Each bond moves to a new rate every six months from its issue month: a bond issued in January gets a new rate each January and July, using the rates announced the previous November and May. Under the announcement of May 1, 2026, the six-month inflation rate is 1.67%, so a bond with a 0% fixed rate earns 3.34% a year for its next six months, and new bonds bought through October 2026 earn 4.26%.

Fixed rates by issue period since I bonds were first sold in September 1998, and the composite rate each one earns for the six-month period that begins between May and October 2026. Source: U.S. Treasury, I Bonds Interest Rates.

04Bonds That Have Stopped Earning

Savings bonds stop earning interest at final maturity, and nothing is gained by holding them after that. As of October 2026:

• All Series E bonds have stopped earning. The last ones, issued in June 1980, reached final maturity in June 2010.
• All savings notes (Freedom Shares, 1967 to 1970) have stopped earning.
• Series EE bonds issued in October 1996 or earlier have reached 30 years and stopped earning.
• Series I bonds are all still earning; the first, from September 1998, reach 30 years in September 2028.

The interest on a matured bond is taxable for the year it matures, even if you have not cashed it. The Treasury's Treasury Hunt search for uncashed matured bonds ended on September 30, 2025. The Treasury now says inquiries about unclaimed Treasury securities are handled by state unclaimed property programs, which can be found through unclaimed.org. If you know you owned paper bonds that were lost, stolen or destroyed, the Treasury handles that claim directly, on FS Form 1048.

05The Series at a Glance

EE bonds issued since May 2005 earn a fixed rate set at purchase, and EE bonds issued since June 2003 are guaranteed to be worth at least double their purchase price after 20 years. Older EE bonds earned the fixed, market-based or minimum rates that applied to their issue dates; the Treasury's values already include all of that.

06Cashing Bonds and Taxes

Timing. A savings bond cannot be cashed in its first 12 months. I and EE bonds cashed before they are five years old lose the last three months of interest; the values on this page already take that off. On I bonds and on EE bonds issued from May 1997, interest is added on the first day of each month, so cashing early in a month rather than late in the previous month gets that month's interest. EE bonds issued from May 1995 to April 1997 add interest every six months.

Where to cash paper bonds. Many banks and credit unions cash paper bonds for their customers, though not all do and some set limits. Otherwise the Treasury cashes them by mail with FS Form 1522, and paper bonds can be converted to electronic ones in a TreasuryDirect account.

Taxes. Savings bond interest is subject to federal income tax but not to state or local income tax. You can report it each year or, as most owners do, all at once in the year you cash the bond or it reaches final maturity. Interest on I and EE bonds issued after 1989 can be tax-free if it pays for higher education and your income is under the IRS limits (IRS Form 8815).

07How the Calculator Works

Values come straight from the U.S. Treasury's Savings Bonds Value Files, the same redemption values the Treasury publishes for banks and its own calculator. They are given for each $25 of face value; the calculator multiplies by your bond's face value. The Treasury adds new values ahead of time; the latest values run through November 2026. Interest earned is the value minus the purchase price. The yearly return is the compound annual rate that turns the purchase price into the value, over the time the bond has been earning.

These values are for paper bonds. Electronic bonds held in a TreasuryDirect account show their exact value in the account. For an electronic I bond the calculator gives an estimate by scaling the $25 value to the amount you paid, which can differ from the account by a few cents. Electronic EE bonds are not covered: they are bought at face value rather than half of it, so the paper values per $25 of face value do not apply to them directly.

08Questions People Ask

09Sources

• U.S. Treasury, Fiscal Data: Savings Bonds Value Files (redemption values; this page's data was last updated 2026-10-26 12:21 EDT)
• U.S. Treasury, Fiscal Data: I Bonds Interest Rates
• TreasuryDirect: I bonds interest rates
• TreasuryDirect: EE bonds interest rates
• TreasuryDirect: Cashing a savings bond
• Treasury: Treasury Hunt discontinued September 30, 2025
• IRS Form 8815: Exclusion of interest from Series EE and I U.S. savings bonds issued after 1989

Related: Inflation Calculator · Compound Interest Calculator · Retirement Savings by Age