🏦 Treasury Savings Bond Calculator: Find Out What Your Bonds Are Worth

If you own U.S. savings bonds — like Series EE or Series I — and you're wondering how much they're worth today, you're in the right place. The Savings Bond Calculator from the U.S. Treasury is your go-to tool for tracking the current value, interest earned, and maturity status of your bonds.

Whether you're holding onto bonds for long-term growth or planning to cash them in, this calculator helps you make informed financial decisions quickly.

📘 What Is a Treasury Savings Bond?

A savings bond is a low-risk investment backed by the U.S. government. There are two main types:

• Series EE Bonds: Guaranteed to at least double in value after 20 years if held to maturity.
• Series I Bonds: Offer inflation protection with a combination of fixed and variable rates.

These bonds earn interest monthly and compound semiannually — and you can only redeem them after holding them for at least 12 months.

🔧 What Is the Treasury Savings Bond Calculator?

The Treasury’s official Savings Bond Calculator helps you:

• Check the current value of your bonds
• See the total interest earned
• Determine the next accrual date
• Know if the bond has matured
• Track how much longer it will continue to earn interest

It pulls data directly from Treasury records and uses official rate tables — ensuring 100% accuracy.

📝 How to Use the Calculator

Step-by-step:

1. Go to the Treasury Direct Website
   Visit TreasuryDirect.gov for the calculator.
2. Enter the Bond Series
   Choose EE, I, or E series.
3. Enter the Bond’s Denomination
   For example: $50, $100, $1,000
4. Enter the Issue Date
   (Month/Year when the bond was issued)
5. Click "Calculate"

✅ You’ll see:

• The bond’s current value
• Interest earned to date
• Final maturity date
• Value growth over time

You can also create an inventory if you have multiple bonds.

📊 Example: Series EE Bond

• Bond Type: EE
• Issue Date: January 2005
• Face Value: $500

Using the Treasury calculator, you’d see:

• Current Value (as of June 2025): ~$1,000
• Interest Earned: ~$500
• Maturity Status: Fully matured (guaranteed doubling at 20 years)

✅ Why Use the Treasury Bond Calculator?

1. Know When to Redeem

Some bonds stop earning interest after 30 years — don’t miss out by holding them too long.

2. Understand Value Growth

Track your investment’s performance over time.

3. Organize Your Bond Portfolio

Create an online bond inventory to manage multiple savings bonds easily.

4. Plan for Taxes

Interest earned may be subject to federal income tax — but not state/local taxes.

📌 Tips for Bondholders

• Check your bonds annually to monitor maturity and interest.
• Reinvest matured bonds into higher-yield accounts or newer I Bonds.
• Use the calculator before cashing out to know the exact value you’ll receive.
• Keep digital or printed copies of your bond inventory for financial planning.

🧠 Final Thoughts

The Treasury Savings Bond Calculator is an essential tool for any bondholder. Whether you're checking on old paper bonds from a grandparent or planning when to redeem your investments, it gives you clear, trustworthy insights — directly from the source.