Savings Bond Estimator
Estimate what a Series I or Series EE savings bond will be worth after any number of years at the November 2026 rates, including the 3-month interest penalty before 5 years and the EE bond's 20-year doubling guarantee.
Savings bond estimator
Current savings bond rates (November 1, 2026 to April 30, 2027)
- Series I bonds: fixed rate 1.40% for the life of the bond, plus a semiannual inflation rate of 2.04%, for a composite rate of 5.51% a year.
- Series EE bonds: fixed rate 2.90%, and the Treasury guarantees an EE bond doubles in value at 20 years (a one-time adjustment if the fixed rate hasn't doubled it).
I bond composite rate = fixed + 2 × semiannual inflation + fixed × semiannual inflation = 1.40% + 4.08% + 0.03% = 5.51%. The inflation part resets every May and November with CPI-U; the fixed part never changes.
How this savings bond estimator values a bond
Interest is added every six months and compounds semiannually. The estimate holds today's rates constant, which is exact for EE bonds and an approximation for I bonds, whose inflation rate changes twice a year. To value bonds you already own with their actual rate history, use TreasuryDirect's savings bond calculator (paper bonds) or your TreasuryDirect account (electronic bonds).
Rules to know
- You can't cash a bond in the first 12 months. Before 5 years, you lose the last 3 months of interest.
- Purchase limit: $10,000 per person per year in electronic I bonds and $10,000 in EE bonds at TreasuryDirect, plus up to $5,000 of paper I bonds with your federal tax refund.
- Interest is exempt from state and local tax; federal tax can be deferred until you cash the bond or it matures at 30 years, and may be tax-free if used for qualified higher education.
Common questions
What is the I bond rate now?
5.51% for I bonds bought November 2026 through April 2027: a 1.40% fixed rate plus inflation.
How much is a $10,000 I bond worth after 5 years?
About $13,100 if the current 5.51% composite rate held for the whole time; the inflation part changes every 6 months.
What is the EE bond rate?
2.90% fixed for bonds bought November 2026 to April 2027, with a guaranteed double at 20 years.
When can I cash a savings bond?
After 12 months; before 5 years you lose the last 3 months of interest.
Is savings bond interest taxable?
Federally yes (deferrable), but not by states.
Sources
- TreasuryDirect: I bond interest rates
- Tipswatch: Treasury sets I bond fixed rate at 1.40%; composite 5.51% (Oct 30, 2026)
- TreasuryDirect: EE bonds
Related
General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.