How do I find the issue date and series on my bond?

On a paper bond the series (EE or I) is printed in the top right corner and the issue date (month and year) is printed on the right side below the face value. The issue date is the month the bond was bought, not the date it was printed. For electronic bonds, both are in your TreasuryDirect account.

Why is my bond worth less than the interest it has earned?

If the bond is under 5 years old, the last 3 months of interest are withheld as an early-redemption penalty, and the value shown is what you would actually receive. The withheld interest is not lost — it is paid once the bond passes its fifth anniversary. Bonds issued before May 1997 have no penalty.

Is my old savings bond still earning interest?

Every EE and I bond earns interest for exactly 30 years from its issue month and then stops. A bond issued in 1996 or earlier has matured and is worth a fixed final value; there is no reason to keep it, because the money earns nothing. Series E bonds (issued before 1980) matured long ago.

How accurate is this calculator?

The arithmetic reproduces Treasury's redemption tables exactly: it was checked against every published $25-unit value from 2001 to 2023 (3,164 values) and against TreasuryDirect's live calculator for September 2026, and matches to the cent. Rates are announced through October 2026; a value for a later month assumes current rates continue and is labelled as projected.

Where can I cash a savings bond?

Paper bonds can be cashed at many banks and credit unions (they may limit the amount for non-customers) or by mailing them to Treasury Retail Securities Services with FS Form 1522. Electronic bonds are redeemed inside TreasuryDirect and paid to your bank account within a few business days. Interest is taxable at the federal level in the year you cash the bond.

Stock Market Watch

Savings Bond Calculator

What a Series EE or Series I savings bond is worth in September 2026 — redemption value, interest earned, the rate it is earning now, and when it matures. Rates announced through May 1, 2026 · U.S. Treasury

Series

Issue month

Issue year

Face value

Paper or electronic

Value in September 2026

$61.16

what you would get if cashed this month

Interest earned

$11.16

on $50.00 paid (half of face)

Current rate

1.20%

annual, compounded semiannually

Yield since issue

1.22%

annualised, on what you paid

Status	Cashable now with no penalty.
Months held	200 (16.7 years)
Next value change	October 2026
Doubling guarantee	Guaranteed to be worth at least $100.00 by January 2030.
Final maturity	January 2040 — stops earning interest

Enter the series, the issue month and year printed on the bond, and its face value. Paper EE bonds were sold at half their face value, so a $100 paper EE bond cost $50 and that is what the interest is measured against; electronic EE bonds and every I bond were bought at face. The value shown is the redemption value for this month — the amount Treasury or a bank would pay if you cashed the bond today — after the 3-month early-redemption penalty that applies to any bond under five years old.

The figures are computed, not estimated. Treasury publishes the rate it set for every six-month period since Series EE bonds began in 1980, and the rules for how interest accrues, compounds and is rounded. This calculator applies those rules exactly and was checked against the last official redemption tables Treasury published, value for value, to the cent. Bonds issued before May 1995 have all matured, and their final values come straight from Treasury.

How Much Is a $100 Savings Bond Worth After 30 Years?

There is no single answer, because EE bonds have been issued under four different rate regimes. What every regime shares is the doubling guarantee: a bond is worth at least twice what you paid for it at its original maturity (17 or 20 years, depending on when it was issued), and it keeps earning until it stops at 30 years. These are the actual final values of $100 Series EE bonds — each bought for $50 — by the year they were issued:

$100 Series EE bond, issued in January of each year, purchase price $50 — final value at 30 years
Issued	Paid	Worth	Interest	Status
Jan 1980	$50.00	$331.48	$281.48	matured Jan 2010
Jan 1981	$50.00	$306.88	$256.88	matured Jan 2011
Jan 1982	$50.00	$293.80	$243.80	matured Jan 2012
Jan 1983	$50.00	$280.32	$230.32	matured Jan 2013
Jan 1984	$50.00	$230.64	$180.64	matured Jan 2014
Jan 1985	$50.00	$230.64	$180.64	matured Jan 2015
Jan 1986	$50.00	$230.64	$180.64	matured Jan 2016
Jan 1987	$50.00	$207.36	$157.36	matured Jan 2017
Jan 1988	$50.00	$207.36	$157.36	matured Jan 2018
Jan 1989	$50.00	$207.36	$157.36	matured Jan 2019
Jan 1990	$50.00	$207.36	$157.36	matured Jan 2020
Jan 1991	$50.00	$207.36	$157.36	matured Jan 2021
Jan 1992	$50.00	$207.36	$157.36	matured Jan 2022
Jan 1993	$50.00	$207.36	$157.36	matured Jan 2023
Jan 1994	$50.00	$164.12	$114.12	matured Jan 2024
Jan 1995	$50.00	$164.12	$114.12	matured Jan 2025
Jan 1996	$50.00	$125.24	$75.24	matured January 2026

A $50 bond is worth exactly half of the $100 figure and a $1,000 bond exactly ten times it: Treasury computes values on a fixed unit and scales, so the denomination never changes the return. For a bond bought today at the current EE rate of 2.40%, the fixed rate alone would not double the money in 20 years, so the guarantee does the work: a $100 electronic EE bond bought for $100 is worth at least $200 at 20 years, then earns for ten more.

What a $100 EE Bond Is Worth Today, by Issue Year

Bonds issued from May 1997 onward are still earning (until they reach 30 years), so their values move every month. This table is the value in September 2026 of a $100 paper or electronic EE bond issued in January of each year, at the rate each vintage carries. A bond from January 2006, for example, is worth $102.12 on a $50 purchase.

$100 Series EE bond by issue year — value in September 2026. Bonds issued through 2011 were paper and cost $50; later bonds are electronic and cost $100.
Issued	Paid	Worth	Interest	Status
May 1997	$50.00	$129.12	$79.12	earning 3.39%
Jan 1998	$50.00	$127.56	$77.56	earning 3.39%
Jan 1999	$50.00	$125.56	$75.56	earning 3.39%
Jan 2000	$50.00	$123.92	$73.92	earning 3.39%
Jan 2001	$50.00	$122.24	$72.24	earning 3.39%
Jan 2002	$50.00	$120.00	$70.00	earning 3.39%
Jan 2003	$50.00	$117.12	$67.12	earning 3.39%
Jan 2004	$50.00	$110.16	$60.16	earning 3.39%
Jan 2005	$50.00	$106.12	$56.12	earning 3.39%
Jan 2006	$50.00	$102.12	$52.12	earning 3.20%
Jan 2007	$50.00	$100.88	$50.88	earning 3.60%
Jan 2008	$50.00	$87.20	$37.20	earning 3.00%
Jan 2009	$50.00	$62.80	$12.80	earning 1.30%
Jan 2010	$50.00	$61.16	$11.16	earning 1.20%
Jan 2011	$50.00	$55.00	$5.00	earning 0.60%
Jan 2012	$50.00	$54.68	$4.68	earning 0.60%
Jan 2013	$50.00	$51.08	$1.08	earning 0.20%
Jan 2014	$50.00	$51.00	$1.00	earning 0.10%
Jan 2015	$50.00	$50.92	$0.92	earning 0.10%
Jan 2016	$50.00	$50.84	$0.84	earning 0.10%
Jan 2017	$50.00	$50.76	$0.76	earning 0.10%
Jan 2018	$50.00	$50.68	$0.68	earning 0.10%
Jan 2019	$50.00	$50.60	$0.60	earning 0.10%
Jan 2020	$50.00	$50.52	$0.52	earning 0.10%
Jan 2021	$50.00	$50.44	$0.44	earning 0.10%
Jan 2022	$50.00	$50.36	$0.36	earning 0.10%
Jan 2023	$50.00	$53.72	$3.72	earning 2.10%
Jan 2024	$50.00	$53.36	$3.36	earning 2.70%
Jan 2025	$50.00	$51.84	$1.84	earning 2.60%
Jan 2026	$50.00	$50.52	$0.52	earning 2.50%

What a $100 I Bond Is Worth Today, by Issue Year

Series I bonds began in September 1998 and were always sold at face value. Each keeps the fixed rate it was issued with for 30 years, plus an inflation rate that resets every six months, so vintages with a high fixed rate — the late 1990s and 2000 — have far outrun later ones. A $100 I bond from January 2000 is worth $491.88 today; the current composite rate for new I bonds is 4.26%.

$100 Series I bond by issue year (September for 1998, January otherwise) — value in September 2026
Issued	Paid	Worth	Interest	Status
Sep 1998	$100.00	$523.56	$423.56	earning 6.80%
Jan 1999	$100.00	$504.64	$404.64	earning 6.70%
Jan 2000	$100.00	$491.88	$391.88	earning 6.80%
Jan 2001	$100.00	$458.80	$358.80	earning 6.80%
Jan 2002	$100.00	$308.48	$208.48	earning 5.37%
Jan 2003	$100.00	$271.88	$171.88	earning 4.97%
Jan 2004	$100.00	$233.12	$133.12	earning 4.46%
Jan 2005	$100.00	$222.16	$122.16	earning 4.36%
Jan 2006	$100.00	$213.24	$113.24	earning 4.36%
Jan 2007	$100.00	$220.20	$120.20	earning 4.76%
Jan 2008	$100.00	$203.76	$103.76	earning 4.56%
Jan 2009	$100.00	$178.24	$78.24	earning 4.05%
Jan 2010	$100.00	$162.32	$62.32	earning 3.65%
Jan 2011	$100.00	$151.32	$51.32	earning 3.34%
Jan 2012	$100.00	$147.32	$47.32	earning 3.34%
Jan 2013	$100.00	$143.56	$43.56	earning 3.34%
Jan 2014	$100.00	$144.92	$44.92	earning 3.54%
Jan 2015	$100.00	$139.36	$39.36	earning 3.34%
Jan 2016	$100.00	$139.72	$39.72	earning 3.44%
Jan 2017	$100.00	$137.20	$37.20	earning 3.34%
Jan 2018	$100.00	$135.04	$35.04	earning 3.44%
Jan 2019	$100.00	$135.96	$35.96	earning 3.85%
Jan 2020	$100.00	$130.24	$30.24	earning 3.54%
Jan 2021	$100.00	$126.56	$26.56	earning 3.34%
Jan 2022	$100.00	$122.32	$22.32	earning 3.34%
Jan 2023	$100.00	$114.16	$14.16	earning 3.75%
Jan 2024	$100.00	$110.76	$10.76	earning 4.66%
Jan 2025	$100.00	$105.52	$5.52	earning 4.56%
Jan 2026	$100.00	$101.68	$1.68	earning 4.26%

How the Value Is Calculated

A savings bond earns interest monthly and compounds semiannually. Every six months from its issue month, the interest earned is added to the principal and the next period’s rate is applied to the new, larger amount. The rate for each period is the one Treasury announced at the most recent May 1 or November 1 before the period began — for an I bond, that is the bond’s own fixed rate combined with the latest inflation rate; for an EE bond issued since May 2005, a fixed rate set at purchase; for EE bonds from 1995 to 2005, a market-based rate that changed every six months.

Treasury works the arithmetic on a small unit — $25 of purchase price for I bonds, $12.50 for EE bonds — rounds to the cent, and multiplies up to the bond’s denomination, which is why this calculator does the same and why the value of a $5,000 bond is exactly fifty times that of a $100 bond. Three rules layer on top: bonds cashed before five years give up their last three months of interest; EE bonds are topped up to double their purchase price at original maturity if the rate alone did not get them there; and every bond stops earning at 30 years. EE bonds issued before May 1997 are the odd ones out — they grew only at each six-month anniversary rather than monthly, and carried no early-redemption penalty.

Older Bonds, Series E and Savings Notes

Every Series EE bond issued from January 1980 to April 1995 has matured, and this calculator returns its final value from Treasury’s records. Series E bonds (issued 1941 to 1980) and Savings Notes matured years ago and are not covered here; Treasury’s own Savings Bond Calculator handles them, and a matured bond of any series can still be cashed at full final value — there is no deadline, only forgone interest.

FAQ

How much is a $100 savings bond worth after 30 years?: It depends on the issue date, because the rate rules changed several times. Real examples from Treasury's final values: a $100 Series EE bond bought for $50 in January 1990 paid $207.36 when it matured in 2020; one bought in 1993–1995 paid $164.12. For a bond bought today at 2.40%, Treasury guarantees the value doubles by year 20, so a $100 electronic EE bond is worth at least $200 at 20 years and keeps earning to year 30.
How do I find the issue date and series on my bond?: On a paper bond the series (EE or I) is printed in the top right corner and the issue date (month and year) is printed on the right side below the face value. The issue date is the month the bond was bought, not the date it was printed. For electronic bonds, both are in your TreasuryDirect account.
Why is my bond worth less than the interest it has earned?: If the bond is under 5 years old, the last 3 months of interest are withheld as an early-redemption penalty, and the value shown is what you would actually receive. The withheld interest is not lost — it is paid once the bond passes its fifth anniversary. Bonds issued before May 1997 have no penalty.
Is my old savings bond still earning interest?: Every EE and I bond earns interest for exactly 30 years from its issue month and then stops. A bond issued in 1996 or earlier has matured and is worth a fixed final value; there is no reason to keep it, because the money earns nothing. Series E bonds (issued before 1980) matured long ago.
How accurate is this calculator?: The arithmetic reproduces Treasury's redemption tables exactly: it was checked against every published $25-unit value from 2001 to 2023 (3,164 values) and against TreasuryDirect's live calculator for September 2026, and matches to the cent. Rates are announced through October 2026; a value for a later month assumes current rates continue and is labelled as projected.
Where can I cash a savings bond?: Paper bonds can be cashed at many banks and credit unions (they may limit the amount for non-customers) or by mailing them to Treasury Retail Securities Services with FS Form 1522. Electronic bonds are redeemed inside TreasuryDirect and paid to your bank account within a few business days. Interest is taxable at the federal level in the year you cash the bond.

Savings bonds explained — Series I versus Series EE, how to buy, when you can cash
I bond rates — the current composite rate and how Treasury builds it
Treasury yields today — the daily par yield curve, SOFR and the fed funds target
Monthly bond market reports

Rates from TreasuryDirect (U.S. Department of the Treasury) rate tables for Series I and Series EE bonds, announced through May 1, 2026; accrual rules per 31 CFR Parts 351 and 359; final values for bonds issued before May 1995 from Treasury’s Savings Bond Calculator, recorded September 18, 2026. Values change on the first of each month. This page is information, not investment or tax advice; see our disclaimer.

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