FREE Savings Bond Calculator | Check the value of your bond today

The typical challenge of holding bonds is figuring out exactly how much they’re worth at any given time. Find out what your savings bonds are worth with our useful savings bond calculator. The tool will allow you to obtain a current and future indicative value. You can even vary the expected interest rate and tax levels to project the outcome of different economic scenarios.

On this page, you will find step-by-step instructions on how to use the calculator, information on the meaning of terminology, and brief information on how to redeem your savings bonds.

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  • Minimum deposit and investment of only $ 5
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How to use the savings bond calculator

  1. Your initial deposit – The basic information you need to enter into the calculator are your initial savings deposit, the bond term you have chosen, the start date and the APR% (annual interest rate) of your obligation.
  2. Deposits and withdrawals – Enter the amounts and frequency of payments you plan to invest or withdraw.
  3. Income Taxes and Inflation – If you want to see what impact federal and state taxes will have on your savings bonds, you can adjust the rate in this section. The rates are automatically set at 25% state and federal tax, while annual inflation is set at 2.35%. (We don’t update this continuously, so if at the time of using inflation there is a change in circumstances, you can update the number to better understand the end value of your savings bonds) If you modify this section, you must click on the calculate button. Information about your initial and current deposits and any withdrawals will be calculated automatically, but not changes in taxes and inflation.
  4. Here are your results – You will now see an ongoing comment on how your entries will be calculated at the end of the fixed term bond period.[/su_list]
    1. Total amount deposited – How much you invested over the total period
    2. Total amount withdrawn – The amount you subscribed during the period
    3. Interest Earned – The amount of money your bonds have made over time before any taxes were taken.
    4. Pre-tax savings – Your initial deposit plus gross interest (increase in value before tax)
    5. Personal Income Tax – How much federal / state tax is levied on the earnings of your investment.
    6. After-tax savings – Your initial investment plus after-tax earnings
    7. Purchasing power of your savings – When inflation is factored in, what is the relative value of your investment in the future.
    8. Annual Percentage Return (APY%) – The average amount of annual interest generated.

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What are the limits of the savings bond calculator?

Savings bonds

Although most bonds are negotiable, their price is ultimately determined by the market. Our calculator should only be considered as an indication of current or future value.
The results given by the bond price calculator can only be indicative of what might happen if market interest rates change.

The calculator does not take into account other factors that can significantly affect the value of a bond, such as a downgrade in credit rating.

The savings bond calculator will not tell you who owns the bond or if it is eligible for cash out.

What types of bonds does the savings bond calculator support? Series EE Savings Bonds, in the United States, are also called Patriot Bonds, they are the modern equivalent of Series E, which was replaced by EE in the 1980s. This type is sold at its value nominal, which means that $ 1,000 will buy a bond of $ 1,000. Full value is realized when you trade it in. Interest is paid directly to your bank account electronically. You can buy a maximum of $ 10,000 of Series EE Savings Bonds in a year.

Series I US Savings Bonds: Similar to EE bonds, they are generally sold at face value and have an upper annual investment limit of $ 10,000. Series I Savings Bonds have a variable rate of inflation, which means the value of your investment will not be relatively less than when you originally invested it.

The present and future value of both types of bonds can be calculated using our savings bond calculator. In the case of Series E or EE, you will need to use an estimate of inflation over the life of the bond, while with Series I, you will need to remove the inflation rate completely to get an estimate of the return. of the bond once it matures. .

Savings bond calculator terminology

Face value of the bond: The amount of money you will receive on the bond’s maturity date.

Months to Maturity: Number of months until maturity of the bond in this section of the bond calculator.

Coupon Rate: Also often referred to as the bond interest rate

Current market rate (discount rate) (%): no one defines the market rate; however, the closest and easiest to find is the one from US Treasury bonds.

For example, if you own a 10-year corporate bond with a yield 200 basis points (2%) higher than the yield on a Treasury bond of the same duration. By changing the value (Current Market Rate), you can simulate a change in the interest rates of treasury bills.

Featured Bond Broker 2020

Stash investment logo
  • Minimum deposit and investment of only $ 5
  • Access to bonds, as well as stocks and funds
  • Very user-friendly platform
Stash investment logo

Glossary of bond terms

A certificate with a red and yellow rosette


A bond is when companies or governments need to generate funds and when you invest, you will receive a lump sum with interest at the end of your agreement.

A pink link not with the green dollar sign

Treasury bond

Bonds issued by the United States Department of the Treasury to finance government spending.

A green ticket

Treasury note

Treasury bills are bonds issued by the United States Department of the Treasury and last up to 10 years.

A golden crest with a blue locked padlock

Treasury security

Treasury securities are bonds issued to investors by the U.S. government

A government building with a red flag

Municipal bonds

A municipal bond is usually issued by local governments to finance public projects such as roads, schools and airports. You will receive a lump sum and interest in return at the end of the term.

A skyline with a small suitcase

Corporate bonds

A corporate bond is issued by companies to raise funds for expansions or projects. You will receive a lump sum and interest in return at the end of the term.

A sparkling gold diamond

Premium bonds

A bond that has no interest rate but your investments are raffled off to earn from £ 25 to £ 1million.

A flower with a gold dollar coin as a flower

Savings bond

Usually offered by banks and building societies, savings bonds will last for a fixed term and earn interest. You cannot access the money during the specified period.

A blue and white percentage sign with a locked padlock

Fixed rate bonds

A fixed bond will start and end with the same interest rate.


How much is a savings bond worth

Often the hardest thing about bonds is figuring out the value of the bond itself. You can find out directly through TreasuryDirect or use our simple calculator by entering a few details: initial investment, bond term, annual interest rate and start date. If you are using Series E or EE, you can also include inflation and tax to see both the real and relative value of your investment now or at maturity, just remove inflation for Series I.

Do savings bonds expire

Savings bonds do not expire, but they stop earning interest. Savings bonds mature on a predetermined date, at which point they end must be cashed.

Are savings bonds a good idea?

Savings bonds are considered one of the safest investments because they are backed and honored by the United States government. As with all low risk investments, the return on investment is lower than high risk investments.

💸 How to cash a savings bond

You can redeem your savings bond directly from TreasuryDirect. If you have electronic bonds, you can redeem them online, which will then require two companies to be on your account.

Are savings bonds losing value

Once matured, a savings bond will be exposed to inflation and its relative value will decline over time.

Is there a penalty for non-receipt of an expired savings bond?

There is no penalty for not cashing a matured savings bond, although at maturity capital gains tax is due. The thing to watch out for is that if you don’t cash your bonds after they stop receiving interest, they will be more exposed to inflation, which will erode the relative value of the bond over the cost of the goods and services in the economy.

Does the government always sell its savings bonds

💸 Historically, you could buy back US savings bonds from traditional banks or credit unions. The option to do so ended in 2012. Today, the Treasury only authorizes their purchase online.

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