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The Calculator can show what your paper bonds are worth in any month from January 1996 through the current rate period. Series–The series can be found in the upper right corner of your paper savings bond. This Calculator provides values for paper savings bonds of these series: EE, I, E.
Paper Savings Bond Calculator. Find out what your paper savings bonds are worth! The calculator will price Series EE, Series E, and Series I savings bonds, and Savings Notes. This calculator is for paper savings bonds only. For electronic savings bonds, log into TreasuryDirect.
Find out what your paper savings bonds are worth with our online Calculator. The Calculator will price paper bonds of these series: EE, E, I, and savings notes. Other features include current interest rate, next accrual date, final maturity date, and year-to-date interest earned.
Calculate the value of a paper bond based on the series, denomination, and issue date entered. (To calculate a value, you don't need to enter a serial number. However, if you plan to save an inventory of bonds, you may want to enter serial numbers.)
- Overview
- Paper Bonds
- Electronic Bonds
- Cashing Bonds
- Should I cash in my bonds early?
- Types of Savings Bonds
- Calculator and Glossary
A comprehensive guide to calculating and cashing electronic and paper savings bonds
Should I cash in my bonds early?
If you’ve stumbled across some old paper bonds your grandparents got you or you purchased electronic bonds and you’d like to check in on your investment, you may need some help calculating your gains. Alternatively, you may simply need some guidance figuring out how much your bond is paying out. In any case, we’ve got you covered. In this article, we’ll break down how you can check the value of government savings bonds—regardless of what kind of bond you’re holding—so that you can make the best financial decisions for you.
Treasury Direct bond savings calculator
to determine the value of any paper bonds you have.
All electronic savings bonds are hosted on
Treasury Direct bond savings calculator
Treasury Direct is the official savings bond website of the US federal government—it’s also where you can buy new bonds if you’re interested! Use the TD calculator to determine the current value of any savings bond.
Don’t use any other sites to check your bond’s value. There are scam sites out there that ask for sensitive information that isn’t required to calculate a bond’s value.
Enter the bond’s information to calculate the value.
Select today’s date and then open the dropdown menu to select the type of bond you’re checking (I bond or EE bond). Select the denomination ($50, $100, etc.) and then enter the bond’s serial number, which is the big number in the bottom righthand corner of the bond. Finally, enter the issuance date (MM/YYYY), which you can find underneath the series in the top right.
Hit “calculate” to determine the bond’s current value as of today.
to check your electronic bonds.
You bought your electronic bonds on Treasury Direct, which is where you can check their value. Log in and select “Manage Bonds” from the drop-down menu on the left. Each bond’s value will be displayed in your account.
You can buy and sell municipal bonds and company bonds with a brokerage account, and you can buy/sell treasury bonds (aka T-notes) at a brokerage, but you cannot hold savings bonds anywhere other than Treasury Direct.
If you cannot open your account, click “forgot your account number” or “forgot your password” and follow the instructions to reset your account.
Take an old, matured paper bond to the bank to cash it.
Any bank you use will cash your savings bond for you. Contact your bank by phone and ask them what you need to bring with you to cash the bond out. Bring the bond into the branch with your ID and any other requested info. Hand it over to the teller to cash it.
This is ideal for matured bonds, which are bonds that have already produced the maximum amount of interest. If you bond is still in the process of maturing, you might not want to cash it yet!
and mail the bond to the federal government (using the address on the form) to cash it if you prefer. It’s much faster and easier to go to a bank, though.
You can sell electronic bonds early on
If you would like to cash your electronic bond in early before it has fully matured, go to the “current holdings” menu and go to “Manage Direct.” Follow the link at the bottom to cash out your electronic bond.
No, if you don’t have any need for the money right now.
Savings bonds are among the most stable investments out there, and if your bonds are still maturing, there’s no reason to give away the free interest. The interest on savings bonds compounds as well, which means that the interest grows exponentially as it’s added to your principal (what you paid). As such, the last few years of a bond’s term are always the most profitable!
If you do not have a compelling reason to sell your bonds early, just wait until they mature.
Yes, if you need the money right now. You will get the face value of your bond back when you sell, plus whatever interest you’ve accumulated. If the bond is less than 5 years old, you’ll give up 3 months of interest, but you’re still coming out ahead! It’s usually preferable to sell a bond early than it is to go into debt or take some other financial risk, so go ahead and sell your bond if you need to. [10]
EE bonds (aka “patriot bonds”)
EE bonds are designed to double their face value over 20 years, although they’ll continue to accrue interest for an additional 10 years.
EE bonds pay interest monthly and compound that interest every 6 months. They earn a fixed interest rate depending on when you bought them.
The “face value” of a bond refers to the amount it was purchased for originally.
The interest of an EE bond depends on entirely on when it was bought. All EE bonds mature 30 years after their issue date.
Patriot bonds are identical to EE bonds. The name “patriot bond” was used for EE bonds from 2001 to 2011.
Sample Calculating the Value of Savings Bonds Calculator
Sample Glossary for Calculating the Value of Savings Bonds
I got bonds when I was in the Army. I mailed them to my sister and forgot about them until 2014, so I called and she didn't have them. I bought them in 1973 or 1974. What's the easiest way to find them?
Unfortunately, with physical bonds you can't redeem them if you've lost them and you don't know when you bought them specifically. If you do have the month and year of purchase, you can file FS form 1048 in front of a notary at a bank and send that to the US Treasury. They'll search their records to see if they can find the bonds you bought.
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May 1, 2024 · If you have a Series I electronic bond, you can see what it is worth in your TreasuryDirect account. To see what your paper Series I bond is worth, use our Savings Bond Calculator . Must I pay tax on what the bond earns?
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Jan 23, 2022 · In This Article. Photo: The Balance / Caitlin Rogers. Find out how to check and calculate the value of a savings bond online. Discover the trick to get the highest return on your savings bond investments.
