How Much Is My Savings Bond Worth?
US savings bonds accrue interest over time and can be worth significantly more than their face value. Series EE bonds purchased at half face value may now be worth 2-5x what you paid. Series I bonds earn inflation-adjusted interest. Enter your bond details to find out exactly what yours is worth today.
Savings Bonds Value Calculator
Fill in the details below for an accurate estimate
Why Knowing Your Savings Bonds Value Matters
Millions of Americans have savings bonds tucked away in drawers, safe deposit boxes, and estate documents — many without knowing their current value. A $50 EE bond purchased in 1990 could now be worth $150+. Older E bonds from the 1960s-1980s may have reached their final maturity and stopped earning interest, meaning you're losing purchasing power by holding them. Series I bonds purchased during high-inflation periods may have accumulated substantial value. Checking your bond's current value and maturity status helps you decide whether to cash in or continue holding.
Key Factors That Affect Savings Bonds Value
Understanding what drives the price of savings bonds helps you get the most accurate valuation.
Bond Series
Series EE: Fixed rate, guaranteed to double in 20 years. Current rate: 2.50%. Series I: Inflation-adjusted rate (fixed + CPI). Current composite rate: 4.03%. Series E (1941-1980): Final maturity reached, no longer earning interest. Series H/HH: Income bonds that paid semi-annual interest.
Issue Date
The issue date determines the interest rate rules that apply. Older bonds may have earned different rates over their life. EE bonds issued before 2005 earned variable rates. EE bonds from May 2005+ earn fixed rates. All E bonds have reached final maturity (30 years).
Denomination & Purchase Price
EE bonds issued since 2012 are electronic, purchased at face value. Paper EE bonds (before 2012) were sold at half face value — a $100 bond cost $50. I bonds are always purchased at face value. The denomination on a paper bond is the maturity value, not what was paid.
Time Held
Savings bonds earn interest for up to 30 years (final maturity). EE bonds are guaranteed to reach face value at 20 years. I bonds earn a combination of fixed and inflation rates. Bonds cashed before 5 years forfeit the last 3 months of interest.
Tax Implications
Savings bond interest is subject to federal income tax but exempt from state and local taxes. You can defer taxes until you cash the bond or it matures. Education Tax Exclusion may exempt interest from federal tax if used for qualified education expenses.
Tips for Valuing Savings Bonds
Get the most accurate estimate by following these tips when evaluating your savings bonds.
Enter the bond series (EE, I, E, or H) printed on the front
Note the issue date — this is critical for calculating the correct value
Check the denomination (face value) printed on the bond
If you have multiple bonds, check each one separately — values vary by date
Savings Bonds Market Insights
Savings bonds remain one of the safest investments available, backed by the US government. Series I bonds gained massive popularity in 2021-2022 when inflation pushed composite rates to 9.62%. The annual purchase limit of $10,000 (electronic) plus $5,000 (paper via tax refund) constrains supply. Many financial advisors recommend I bonds as an inflation hedge in diversified portfolios. The TreasuryDirect website allows you to check bond values and manage your portfolio electronically.
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Savings Bonds Valuation FAQ
How do I find out how much my savings bond is worth?
Enter the bond series, denomination, and issue date into our calculator. You can also use the TreasuryDirect.gov Savings Bond Calculator for official values. For paper bonds, the series and issue date are printed on the front of the bond.
Do savings bonds expire?
Savings bonds earn interest for 30 years (final maturity). After 30 years, they stop earning interest but can still be cashed. All Series E bonds (issued 1941-1980) have reached final maturity. If you have matured bonds, they're losing purchasing power to inflation — consider cashing them.
How much is a $100 savings bond worth after 20 years?
A $100 EE bond is guaranteed to be worth at least $100 at 20 years (if purchased at $50 face value, it doubles). With additional interest, it could be worth $100-$200+ depending on the rates during that period. I bonds vary based on inflation rates over the holding period.
Can I cash savings bonds at a bank?
Most banks will cash paper savings bonds for their customers, though some have dollar limits. You'll need valid ID and may need to be the named owner or co-owner. Electronic bonds (purchased on TreasuryDirect) are cashed online directly through your TreasuryDirect account.
Do I pay taxes on savings bonds?
Yes — savings bond interest is subject to federal income tax, but it's exempt from state and local taxes. You can choose to report interest annually or defer until you cash the bond. If used for qualified education expenses, interest may be tax-free under the Education Tax Exclusion.