Calculate the Value of Your Paper Savings Bonds

Official websites use .gov A .gov website belongs to an official government organization in the United States. Her work has appeared in USA Today, The Washington Post, The Atlantic and Harvard Business Review.

Can I Cash a Savings Bond at Any Bank?

We provide 100% free financial calculators with no registration required. All calculations are performed locally for your privacy and security. The most comprehensive collection of free financial calculators online.

Past or Future Value

• Their interest rate is a composite rate, combining a fixed rate, which remains constant for the bond’s life, and a variable inflation rate.
• This is where modern financial tools can offer a lifeline, helping you avoid cashing out early and letting your investments mature.
• He has been writing and editing personal finance, credit card and travel content for over a decade at his website—ClubThrifty.com—and other national publications.
• You can find the exact value of your bonds by using the official calculator on the TreasuryDirect website, a crucial step for anyone managing their long-term savings.

Use our calculator to compare the returns you’d receive by investing in U.S. savings bonds. We believe everyone should be able to make financial decisions with confidence. Series I bonds, conversely, are designed to protect against inflation. Their interest rate is a composite rate, combining a fixed rate, which remains constant for the bond’s life, and a variable inflation rate. The inflation rate component adjusts every six months based on changes in the Consumer Price Index for all Urban Consumers (CPI-U).

However, paper bonds stop earning interest once they mature, so there’s little sense in holding them beyond that. These days, most savers purchase electronic savings bonds through TreasuryDirect.gov. Log into your account and navigate to the Current Holdings tab to view the value of your savings bonds. Checking the value of your savings bonds can help you decide whether to cash in, reinvest or simply assess your bond’s performance within your portfolio.

Account

• U.S. savings bonds are one of the safest investments you can own, and your returns can be even greater if you own them for the long-term.
• If the serial number is unknown, providing information like the specific month and year of purchase, your Social Security Number, and your mailing address can help in the search.
• His work has been published in Bankrate, CBS News, Experian and other outlets.
• Bankrate.com is an independent, advertising-supported publisher and comparison service.
• You’ll need to enter the name of the bondholder, bond issue dates and serial numbers for the paper bonds you wish to redeem.
• Using the calculator involves entering specific details about your bond.

This allows you to handle emergencies without disrupting your savings strategy. They are a reliable, slow-growth investment backed by the U.S. government. In contrast, a cash advance from an app provides immediate access to funds. Many people search for a quick cash advance or even a payday advance for bad credit, often finding options with high fees and and interest rates.

Government information

While your bonds build wealth for the future, Gerald provides the flexibility to handle the present. This combination ensures you’re prepared for anything, whether it’s a planned expense or a sudden emergency, without having to choose between your long-term goals and your immediate needs. Series EE savings bonds mature after 20 years, and they’ll continue earning interest for 10 more years. As such, holding onto your bonds for three decades is the way to collect the largest amount of interest. Whether you have paper savings bonds or electronic ones, it’s easy to check the value of your savings bond using the federal government’s TreasuryDirect website. The Treasury Department recommends contacting your financial institution to ask if they will cash your paper savings bonds.

You will need to input the bond’s series (EE or I), its denomination (face value, such as $100), and its exact issue date (month and year). While the serial number is not strictly required for the calculation, it can be useful for record-keeping, especially if you are creating an inventory of multiple bonds. After providing this information, the calculator will display the bond’s current value, including the total accrued interest and the next date interest will be added. When you are ready to cash in your savings bonds, you can do so online, by mail or at a bank or credit union.

The value of a $100 savings bond after 10 years is not a fixed amount; it depends on several factors, including the type of bond and its issue date. Savings bonds are a secure, low-risk investment option issued by the U.S. Treasury, and understanding their value requires a look into their specific characteristics. Beware of internet scams with a picture of this page claiming you can enter your birth certificate number to access bonds owed to you.

4 To access some features, such as transferring a cash advance to a bank account, users must first use a minimum portion of their advance for purchases on Cornerstore or Cranberry Mobile plans. Once this minimum amount is met, the remaining advance balance can be transferred to a bank account. If you’re cashing in a paper bond worth more than $1,000, you and other recipients listed on the bond must sign the form with a notary officer. Send the form along with a copy of your driver’s license, passport, state ID or Military ID. Another feature of the Series EE savings bond is that you can also keep the bond beyond its maturity date. Bond holders continue to earn interest for up to 30 years, making the bond even more valuable the longer it is kept.

In general, you can usually expect to earn more in interest with a calculate the value of your paper savings bonds Series EE savings bond than with a high-yield savings account, yet the money in the savings account is more accessible. 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. New EE bonds are only issued electronically, but it’s possible to have a paper bond issued 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.

Calculator Results for Redemption Date 08/2025

To determine your bond’s value, you’ll need to plug in the series type, denomination, bond serial number and the issue date. The calculator can also show a bond’s value for past dates, going back to January 1996, or for future dates within the current six-month interest period. For electronic savings bonds, the valuation process is simpler; you can find their current value by logging into your TreasuryDirect account, which lists all your electronic holdings. The TreasuryDirect platform provides a secure and accurate way to monitor your investments, helping you stay informed about their growth.

You’ll need to enter the name of the bondholder, bond issue dates and serial numbers for the paper bonds you wish to redeem. You also must provide a Social Security number or employer identification number along with your bank account and routing numbers for payment. Keep in mind, partial redemptions are not an option with paper bonds; they must be cashed at full value. The value of a U.S. savings bond isn’t static; it grows over time.