About this calculator
This small, independent site, Savings I Bonds Calculator, has one simple purpose. Here you can see your I bond's worth, what cashing it in now would pay you, and how much a new bond could earn over time. An I bond is a savings bond issued by the U.S. government. When prices rise, its interest rate rises too, so your savings keep their buying power.
- Our rounding to the nearest cent follows the government's method, so our numbers agree with theirs.
- We apply every interest rate set by the government since September 1998.
- Our numbers draw on TreasuryDirect, the government's savings bond site, and on Treasury Fiscal Data, the government's site for public data.
- The most recent rates began on Nov 1, 2026. The next rates start May 1, 2027.
What this calculator does
Type in the month you bought your bond and the amount you paid. Every interest rate the government set since then is used in the value we work out, just as TreasuryDirect does. That figure should equal the amount shown in your TreasuryDirect account, to the very cent.
We checked against the figures on other websites to be sure, and our numbers match them. "Full value" means what the bond is worth including all its interest. "Cash-in value" means what you'd receive if you cashed it in during that month. Cashing in a bond that's less than five years old costs you the last 3 months of interest.
| Bond | Our value | Other site's figure |
|---|---|---|
| Bought for $10,000 in Nov 2023, checked in Jan 2026.Full value | $10,956.00 | $10,956.00eyebonds.info |
| Purchase of $10,000 in Nov 2023, checked in Jan 2026.Cash-in value | $10,836.00 | $10,836.00TreasuryDirect, quoted on Tipswatch |
| Bought for $10,000 in Jan 2022, checked in Jan 2026.Full value | $12,076.00 | $12,076.00eyebonds.info |
| Bought for $10,000 in Jan 2022, checked in Nov 2026.Full value | $12,400.00 | $12,400.00eyebonds.info |
| $1,000 bought in May 2010, checked in Oct 2026.Full value | $1,587.60 | $1,587.60eyebonds.info |
| $1,000 bought in Sep 1998, checked in Oct 2026.Full value | $5,264.80 | $5,264.80eyebonds.info |
| $25 bought in Jan 2024, checked in Oct 2026.Full value | $28.11 | $28.11eyebonds.info |
Each source name links to its page. eyebonds.info and Tipswatch are independent sites that track I bond values. You can read how every value is worked out on our method page.
What this calculator does not do
We don't sell bonds, and you won't find any tax or investment advice here. We never ask you for a name, email address or Social Security number. Neither the U.S. Treasury nor TreasuryDirect runs this site, and it has no connection to either of them. Buy, cash or manage a bond through your TreasuryDirect account.
Contact
If a number doesn't look right, write to us at contact@savingsibondscalculator.com. Send us the month, year and amount, plus the figure TreasuryDirect shows you.