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Savings Bond Calculator
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Savings Bond Calculator
Use our calculator to compare the returns from investing in U.S. savings bonds.
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Alieza Durana is a former investing writer at NerdWallet. She has over a decade of journalism experience covering housing, labor, gender and public policy issues for the Eviction Lab, The Fuller Project for International Reporting, New America and Slate. Her work has appeared in USA Today, The Washington Post, The Atlantic and Harvard Business Review. She is based in St. George, Utah. Lead Writer + more + more
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Chris Davis is a Managing Editor on the Investing team. He has passed the Series 65 (Uniform Investment Adviser Law Exam) and covered the stock market, investing strategies, investment accounts and cryptocurrency. His work has appeared in The Associated Press, The Washington Post, MSN, Yahoo Finance, MarketWatch, Newsday and TheStreet. Published in Managing Editor + more + moreSavings bonds are long-term investments with maturities of up to 30 years. They come in one of two types: EE bonds and I bonds. Before calculating the value of your savings bonds, here are a few important notes about them:
Savings bonds are long-term investments with maturities of up to 30 years. They come in one of two types: EE bonds and I bonds. Before calculating the value of your savings bonds, here are a few important notes about them:Both types of savings bonds may be sold 12 months after purchase.
Both types of savings bonds may be sold 12 months after purchase.If you cash them in before year five, you’ll lose three months' worth of interest.
If you cash them in before year five, you’ll lose three months' worth of interest.Instead of ongoing interest payments, the bonds pay a lump sum when you cash them in.
Instead of ongoing interest payments, the bonds pay a lump sum when you cash them in.Unlike other types of government securities, savings bonds cannot be resold or traded.
Unlike other types of government securities, savings bonds cannot be resold or traded.» MORE: How to invest $100,000
» MORE: » MORE: How to invest $100,000Calculate the value of EE bonds
Calculate the value of EE bondsEE bonds guarantee to double your money if held for 20 years, and their maturity may be extended to 30 years. They can be bought in penny increments from $25 to $10,000 per year per Social Security number
EE bonds guarantee to double your money if held for 20 years, and their maturity may be extended to 30 years. They can be bought in penny increments from $25 to $10,000 per year per Social Security number TreasuryDirect. Comparing EE and I bonds. Accessed Sep 29, 2025. .New EE bonds are only issued electronically, but the government did issue paper bonds between 1980 and 2012.
New EE bonds are only issued electronically, but the government did issue paper bonds between 1980 and 2012.If you purchased EE bonds electronically, the best way to see their value is to log in to the TreasuryDirect account through which you bought the bonds.
If you purchased EE bonds electronically, the best way to see their value is to log in to the TreasuryDirect account through which you bought the bonds.If you have a paper EE savings bond (perhaps you received it as a gift) and aren't sure what to do with it, head to TreasuryDirect to calculate the value of your paper savings bond.
If you have a paper EE savings bond (perhaps you received it as a gift) and aren't sure what to do with it, head to TreasuryDirect to calculate the value of your paper savings bond.» MORE: How bond exchange-traded funds (ETFs) work
» » MORE: MORE: How bond exchange-traded funds (ETFs) work Calculate paper savings bonds Calculate paper savings bondson the official TreasuryDirect website
To use this TreasuryDirect calculator, you'll need to know your bond's Series (in this case, EE), denomination ($50, $75, $100, etc.), and issue date
To use this TreasuryDirect calculator, you'll need to know your bond's Series (in this case, EE), denomination ($50, $75, $100, etc.), and issue date TreasuryDirect. Paper Savings Bond Calculator. . The calculator will provide the bond's value as of the specified date. 🤓 Nerdy TipIf you're looking for a way to calculate the value of your paper savings bonds, only use the calculator linked above. TreasuryDirect has issued warnings that scams will try to collect birth certificate information in exchange for access to bonds owed to you with false TreasuryDirect calculators. Ensure you're on TreasuryDirect's website when redeeming paper bond value information.
If you're looking for a way to calculate the value of your paper savings bonds, only use the calculator linked above. TreasuryDirect has issued warnings that scams will try to collect birth certificate information in exchange for access to bonds owed to you with false TreasuryDirect calculators. Ensure you're on TreasuryDirect's website when redeeming paper bond value information.» Saving for college? See if a 529 or UTMA/UGMA account is for you
» Saving for college? » Saving for college? See if a 529 or UTMA/UGMA account is for youCalculate the value of I bonds
Calculate the value of I bondsI bonds can be purchased in amounts from $25 up to $10,000 in electronic bonds and $5,000 in paper bonds per year. They differ from EE bonds in that they earn an interest rate that adjusts for inflation.
I bonds can be purchased in amounts from $25 up to $10,000 in electronic bonds and $5,000 in paper bonds per year. They differ from EE bonds in that they earn an interest rate that adjusts for inflation.This calculator shows how much a potential investment in electronic I bonds might earn, before taxes, based on a 4.28% annual interest rate. But keep in mind that this total can’t be retrieved at six months, because I bonds must be held for at least a year.
This calculator shows how much a potential investment in electronic I bonds might earn, before taxes, based on a 4.28% annual interest rate. But keep in mind that this total can’t be retrieved at six months, because I bonds must be held for at least a year.» MORE: Our inflation calculator shows the changing value of a dollar
» MORE: » MORE: Our inflation calculator shows the changing value of a dollarNext steps
Next stepsInterested in Treasury bonds? Use our Treasurys calculator.
Interested in Treasury bonds? Use our Treasurys calculator .Learn how to buy Treasury bonds.
Learn how to buy Treasury bonds .View our list of the best brokers for bonds.
View our list of the best brokers for bonds .