Series EE Savings Bond Value Calculator
A $10,000.00 bond bought in November 2026 at 2.90% compounds to $17,784.00 in 20 years. Treasury's doubling guarantee lifts it to $20,000.00 ($10,000.00 interest, 3.50% yield).
Last reviewed
Redemption value and interest
Value When Cashed
$20,000.00
Interest Earned
$10,000.00
Realized Yield (Semiannual)
3.50%
Cashed in November 2046 after 240 months, a $10,000.00 bond issued in November 2026 pays $20,000.00 ($10,000.00 interest, 3.50% realized yield).
Compounding at 2.90% reaches $17,784.00 at 20 years, so Treasury adds a $2,216.00 doubling adjustment ($2,264.00 above month 239).
If 2.90% continues through 30-year final maturity (November 2056), the bond reaches $26,672.00, and interest is exempt from state and local income tax (31 U.S.C. 3124(a)).
Your Series EE bond
- months held = 240, paid months = 240 (no penalty)
- $12.50 unit at 20 yr = $22.23 + $2.77 top-up = $25.00
- unit at month 240 = max($22.23, $25.00) = $25.00
- $100.00 block (8 units) = 8 × $25.00 = $200.00
- value = ($10,000.00 ÷ $100.00) × $200.00 = $20,000.00
Redemption value vs. fixed-rate interest alone across 30 years
Realized yield by holding year (compounded semiannually)
Year-by-year redemption schedule (years 1 to 30)
| Year | Anniversary | Interest paid | Penalty forfeited | Redemption value | Realized yield |
|---|---|---|---|---|---|
| 1 | Nov 2027 | $216.00 | $72.00 | $10,216.00 | 2.15% |
| 2 | Nov 2028 | $512.00 | $80.00 | $10,512.00 | 2.51% |
| 3 | Nov 2029 | $824.00 | $72.00 | $10,824.00 | 2.66% |
| 4 | Nov 2030 | $1,136.00 | $80.00 | $11,136.00 | 2.71% |
| 5 | Nov 2031 | $1,544.00 | $0.00 | $11,544.00 | 2.89% |
| 6 | Nov 2032 | $1,880.00 | $0.00 | $11,880.00 | 2.89% |
| 7 | Nov 2033 | $2,232.00 | $0.00 | $12,232.00 | 2.90% |
| 8 | Nov 2034 | $2,584.00 | $0.00 | $12,584.00 | 2.89% |
| 9 | Nov 2035 | $2,952.00 | $0.00 | $12,952.00 | 2.89% |
| 10 | Nov 2036 | $3,328.00 | $0.00 | $13,328.00 | 2.89% |
| 11 | Nov 2037 | $3,720.00 | $0.00 | $13,720.00 | 2.90% |
| 12 | Nov 2038 | $4,120.00 | $0.00 | $14,120.00 | 2.90% |
| 13 | Nov 2039 | $4,536.00 | $0.00 | $14,536.00 | 2.90% |
| 14 | Nov 2040 | $4,960.00 | $0.00 | $14,960.00 | 2.90% |
| 15 | Nov 2041 | $5,400.00 | $0.00 | $15,400.00 | 2.90% |
| 16 | Nov 2042 | $5,848.00 | $0.00 | $15,848.00 | 2.90% |
| 17 | Nov 2043 | $6,312.00 | $0.00 | $16,312.00 | 2.90% |
| 18 | Nov 2044 | $6,792.00 | $0.00 | $16,792.00 | 2.90% |
| 19 | Nov 2045 | $7,280.00 | $0.00 | $17,280.00 | 2.90% |
| 20 | Nov 2046 | $10,000.00 | $0.00 | $20,000.00 | 3.50% |
| 21 | Nov 2047 | $10,584.00 | $0.00 | $20,584.00 | 3.47% |
| 22 | Nov 2048 | $11,184.00 | $0.00 | $21,184.00 | 3.44% |
| 23 | Nov 2049 | $11,800.00 | $0.00 | $21,800.00 | 3.42% |
| 24 | Nov 2050 | $12,440.00 | $0.00 | $22,440.00 | 3.40% |
| 25 | Nov 2051 | $13,096.00 | $0.00 | $23,096.00 | 3.38% |
| 26 | Nov 2052 | $13,768.00 | $0.00 | $23,768.00 | 3.36% |
| 27 | Nov 2053 | $14,464.00 | $0.00 | $24,464.00 | 3.34% |
| 28 | Nov 2054 | $15,176.00 | $0.00 | $25,176.00 | 3.32% |
| 29 | Nov 2055 | $15,912.00 | $0.00 | $25,912.00 | 3.31% |
| 30 | Nov 2056 | $16,672.00 | $0.00 | $26,672.00 | 3.30% |
At 2.90%, year-1 cash-in (Nov 2027, after the 3-month penalty) pays $10,216.00, year-20 original maturity (Nov 2046) pays $20,000.00, and year-30 final maturity (Nov 2056) pays $26,672.00.
Month-by-month redemption values (months 12 to 360)
Show all 349 monthly redemption dates (months 12 to 360)
| Month | Cash-in month | Paid months | $12.50 unit | Interest paid | Redemption value | Realized yield |
|---|
Interest posts on the 1st of the month (31 CFR 351.35(d)) on a $12.50 unit rounded to the cent ($0.08 per $100.00 per 1-cent unit change, prorated via 31 CFR 351.70); month 239 pays $17,736.00 and month 240 pays $20,000.00.
Redemption value across sample cash-in years (2027 to 2056)
Across 8 sample cash-in years from 2027 ($10,216.00) to 2056 ($26,672.00), the bond pays $17,280.00 in 2045 and $20,000.00 in 2046.
| Cash-in year | Months held | Interest earned | Redemption value | Realized yield |
|---|---|---|---|---|
| 2027 | 12 months | $216.00 | $10,216.00 | 2.15% |
| 2028 | 24 months | $512.00 | $10,512.00 | 2.51% |
| 2031 | 60 months | $1,544.00 | $11,544.00 | 2.89% |
| 2036 | 120 months | $3,328.00 | $13,328.00 | 2.89% |
| 2045 | 228 months | $7,280.00 | $17,280.00 | 2.90% |
| 2046 (closest to your input) | 240 months | $10,000.00 | $20,000.00 | 3.50% |
| 2051 | 300 months | $13,096.00 | $23,096.00 | 3.38% |
| 2056 | 360 months | $16,672.00 | $26,672.00 | 3.30% |
How issue-year cohorts compare on the doubling guarantee
Across 8 issue years from 2006 to 2026, the 20-year doubling adjustment is $0.00 for 2006, $9,680.00 for 2016, and $2,216.00 for 2026.
| Issue year | Fixed rate | 20-year top-up | Value at 20 years | Value at cash-in |
|---|---|---|---|---|
| 2006 | 3.60% | $0.00 | $20,416.00 | $29,160.00 |
| 2008 | 1.30% | $7,064.00 | $20,000.00 | $22,760.00 |
| 2012 | 0.20% | $9,680.00 | $20,000.00 | $20,480.00 |
| 2016 | 0.10% | $9,680.00 | $20,000.00 | $20,160.00 |
| 2022 | 2.10% | $4,800.00 | $20,000.00 | $21,744.00 |
| 2023 | 2.70% | $2,896.00 | $20,000.00 | $21,680.00 |
| 2025 | 2.50% | $3,560.00 | $20,000.00 | $20,504.00 |
| 2026 (closest to your input) | 2.90% | $2,216.00 | $20,000.00 | $20,000.00 |
How it works
Congress authorizes Series EE savings bonds under 31 U.S.C. 3105(a), which states: "With the approval of the President, the Secretary of the Treasury may issue savings bonds and savings certificates of the United States Government". Under 31 CFR 351.35(c)(1), Treasury publishes a new fixed rate each May 1 and November 1 for bonds bought in the next six months. TreasuryDirect's "EE bond interest rates for bonds issued since May 2005" page sets 2.90% "For EE bonds issued November 1, 2026 to April 30, 2027". Compare short-term marketable bills in the Treasury bill yield calculator or inflation-indexed savings bonds in the I bond calculator.
Under 31 CFR 351.35(d), "Interest accrues on the first day of each month; that is, we add the interest earned on a bond during any given month to its value at the beginning of the following month. The accrued interest compounds semiannually." Rather than compounding your full purchase price directly, 31 CFR 351.16 states: "We base all calculations of interest on a unit with a principal amount of $12.50." Within each six-month period, 31 CFR 351.32(a) gives FV = PV × [1 + (i ÷ 2)]^(m ÷ 6), where m is the months into the half-year, rounded to the cent. Under 31 CFR 351.70, an electronic bond is (book-entry principal investment ÷ $100) × (CRV value for a $100 principal amount), where $100.00 equals 8 units. Compare unrounded compounding in the compound interest calculator.
Under 31 CFR 351.6(b), "You may redeem your Series EE savings bond at any time beginning twelve months after its issue date." Before five years, 31 CFR 351.35(e) applies a three-month penalty: "If you redeem a bond with an issue date of May 1, 2005, or thereafter, less than five years following the issue date, we reduce the overall earning period from the issue date by three months. However, the redemption value of a bond subject to the 3-month interest penalty shall not be reduced below the issue price." At 20 years, 31 CFR 351.35(f)(2) states: "At original maturity, the redemption value of a book-entry bond shall not be less than double the purchase price of the bond." Under 31 CFR 351.34(b), "Bonds reach final maturity at 30 years after the issue date. Bonds cease to earn interest at final maturity."
The $12.50 unit, the 3.50% doubling threshold, and the month-239 cliff
Every Series EE value starts on a $12.50 unit rounded to the cent (31 CFR 351.16). At any fixed rate of 3.49% or less, 40 half-years leave that unit at $24.96 or below. Treasury then adds money on the 20th anniversary. TreasuryDirect's EE bonds page states: "For EE bonds you buy now, we guarantee that the bond will double in value in 20 years, even if we have to add money at 20 years to make that happen." At May 2005's 3.50% rate, unit rounding hits $25.00 with $0.00 added. At May 2006's 3.70% rate, a $10,000.00 bond reaches $20,816.00 from interest alone.
That adjustment creates a sharp cliff between month 239 and month 240. Take a $5,000.00 bond bought in November 2026 at 2.90%. Cashing at month 239 (October 2046) pays $8,868.00 (a 2.90% realized yield). Waiting 31 days until November 2046 adds $24.00 of interest plus $1,108.00 from the doubling guarantee. The payout jumps by $1,132.00 to $10,000.00, lifting the effective annual yield to 3.53% APY. On a $5,000.00 bond issued in May 2016 at 0.10%, month 239 (April 2036) pays $5,160.00 and month 240 (May 2036) pays $10,000.00, a jump of $4,840.00.
Paper (2005–2011) vs. electronic EE bonds, purchase limits, and how to cash in
Under 31 CFR 351.4, "Effective January 1, 2012, Treasury discontinued the issuance of definitive Series EE savings bonds." Paper bonds from May 2005 through December 2011 use the same $12.50 unit math, except they sold for half their face value. Under 31 CFR 351.40, "Prior to January 1, 2012, we issued definitive Series EE savings bonds in denominations of $50, $75, $100, $200, $500, $1000, $5000, and $10,000. The purchase price was one-half the amount of the denomination." TreasuryDirect's May 2005 rate page adds: "You paid $50 for a $100 paper EE bond," while "We sell electronic EE bonds for their face value. You pay $100 for a $100 electronic EE bond." Enter your $50.00 purchase price here to value a $100.00 paper EE bond.
For electronic bonds, 31 CFR 351.61 states: "Book-entry bonds are issued in a minimum amount of $25, with additional increments of one cent." TreasuryDirect's EE bonds page notes the "$25 minimum or any amount above that to the penny. For example, you could buy an EE bond for $36.73." That page also states: "In any one calendar year for one Social Security Number, you may buy up to $10,000 in EE bonds." You can redeem part of an electronic bond on TreasuryDirect's "Cash EE or I savings bonds" page if you cash at least $25.00, "leave at least $25 in your account," and note that "you only get the interest on the part you cash." For paper bonds mailed with FS Form 1522, that page states: "If the value of the bond(s) you are cashing is more than $1,000, you must have your signature certified."
Federal tax deferral, Form 1099-INT Box 3, and the Form 8815 education exclusion
Under 31 U.S.C. 3124(a), "Stocks and obligations of the United States Government are exempt from taxation by a State or political subdivision of a State." TreasuryDirect's "Tax information for EE and I bonds" page notes that bond interest owes "federal income tax, but not state or local income tax." Marketable bond buyers split coupon days at settlement, as shown in the bond accrued interest calculator. Savings bonds instead pay accrued interest at cash-in or 30-year maturity. At year 30, TreasuryDirect's tax page states that when an "electronic bond matures, we put the money into the Certificate of Indebtedness" in your TreasuryDirect account.
IRS Publication 550 gives cash-method owners two ways to report interest: "Method 1. Postpone reporting the interest until the earlier of the year you cash or dispose of the bonds or the year in which they mature." Under 26 U.S.C. 454(a), you may instead elect to "treat such increase as income received in such taxable year." IRS Publication 550 calls that "Method 2. Choose to report the increase in redemption value as interest each year," adding: "You must use the same method for all Series EE and Series I bonds you own." At cash-in or maturity, interest appears in "Box 3. Interest on U.S. Savings Bonds and Treasury Obligations" under the IRS Instructions for Forms 1099-INT and 1099-OID. Estimate your tax bill in the federal income tax calculator.
Paying college tuition or funding a 529 plan in the cash-in year can make the interest tax free on Form 8815. Under IRS Publication 550, "A qualified U.S. savings bond is a Series EE bond issued after 1989 or a Series I bond." The bond must be issued solely in your name or jointly with your spouse, and you must reach age 24 before the issue date. You cannot file married filing separately. For 2025, the exclusion begins to phase out for modified AGI above $149,250 (joint returns) or $99,500 (all other returns) and is completely phased out at $179,250 or more (joint) or $114,500 or more (all other returns). Send your proceeds and interest to the savings bond education exclusion calculator to check Form 8815.
Video walkthrough
A 3-minute walkthrough of how a Series EE savings bond's value is worked out: its fixed rate, the early cash-in penalty, the doubling guarantee and the end of interest.
Read the transcript
What a Series EE bond is worth
0:00 What is a Series EE savings bond worth when you cash it in?
0:04 Say you put $10,000 into one in November 2026, and cash it in 20 years later.
0:12 Treasury pays you $20,000.
0:15 That is twice what you paid, at a fixed rate of about 2.9%.
0:20 Treasury announces that rate for the month you buy, and these figures use the rates announced November 1, 2026.
How the value builds
0:29 A bond's value has a few moving parts: what you paid, the month you bought, that month's fixed rate, and the month you cash in.
0:37 The rate is fixed when you buy.
0:40 New rates come out every May and November, and the page's table of them runs through November 1, 2026.
0:48 Pick your issue month, and the rate fills in.
0:51 Interest is added on the first of every month, and it compounds twice a year.
0:56 So the value climbs a little faster each year.
What cashing in early costs
1:00 You can cash in any time after the first year.
1:03 But cash in early, and Treasury skips the last few months of interest.
1:08 Cash in after 18 months, and you are paid for only 15 months.
1:13 The penalty costs you $80.
1:16 Wait until year 5, and the penalty is gone.
1:19 From then on, every month is paid in full.
The doubling guarantee
1:23 Now look at year 20.
1:24 Interest alone would bring the bond to about $17,800.
1:30 That is less than double what you paid.
1:33 But Treasury guarantees the bond will double in value, even if it has to add money to make that happen.
1:39 So at year 20, it adds about $2,220, which doubles the bond.
1:46 The timing matters.
1:48 One month earlier, the bond is worth only about $17,700.
1:54 That one month is worth about $2,300 more.
Where the bond stops, and taxes
1:59 After 30 years, a bond stops earning.
2:02 If the same rate kept going, this one would reach about $26,700 by then.
2:09 TreasuryDirect says the interest is subject to federal income tax, but not state or local income tax.
2:17 Most people put off reporting it until they cash in.
Try your own bond
2:21 To value your own bond, fill in the form.
2:24 Enter what you paid, the month and year you bought it, and the month you will cash in.
2:29 Say you paid $5,000.
2:32 The results update as you type, and the bond pays $10,000.
2:37 If you hold a paper bond bought from 2005 to 2011, enter half its face value, because that is what it cost.
2:45 So remember these dates.
2:47 The penalty ends at year 5.
2:49 The bond doubles at year 20.
2:52 And it stops earning after 30 years.
2:54 Try your own bond at fastcalc.us.
Formula
$12.50 unit within a half-year: FV = PV × [1 + (rate ÷ 2)]^(m ÷ 6), rounded half-up to the cent bond value: (purchase price ÷ $100.00) × (8 × unit value), rounded half-up to the cent cashed before 60 months: paid months = months held − 3 (never below purchase price) at 240 months: unit value = max(compounded unit, $25.00); no interest accrues after 360 months realized semiannual yield = 2 × [(value ÷ purchase price)^(6 ÷ months held) − 1]
Example
In 31 CFR 351.16's example, 3.25% for six months lifts the $12.50 unit to $12.70 (1,250 × 1.01625 = 1,270.3125 cents, rounded to the cent). On a $5,000.00 paper bond ($2,500.00 purchase price, or 200 units), 200 × $12.70 = $2,540.00 — $0.63 below unrounded $2,540.63. Footnote 1 to 31 CFR 351.32(a) works 5 months inside a half-year at 5.00% from $16.00: "FV = $16.00 × {[1 + (0.05 ÷ 2)](5/6)} = $16.33 after rounding to the nearest cent." In plain words, the exponent is 5/6, so $16.00 × 1.025 raised to the power 5/6 is $16.33.
On the default $10,000.00 bond bought in November 2026 at 2.90% (announced November 1, 2026), cashing early at 18 months (May 2028, 15 paid months) pays $10,360.00 ($80.00 penalty forfeited). Cashed at 5 years (November 2031, penalty gone), it pays $11,544.00. After doubling on its 20th anniversary (November 2046), holding to 30-year final maturity (November 2056) assuming 2.90% continues brings the payout to $26,672.00 ($6,672.00 earned in years 21 to 30).
Assumptions and limitations
- Covers Series EE bonds issued May 1, 2005, or later under 31 CFR Part 351. TreasuryDirect's rate table runs through the November 1, 2026 announcement (2.90% through April 2027). Bonds issued before May 2005 use variable market yields under 31 CFR 351.19–351.33 and are excluded.
- Reading of unit rounding: 31 CFR 351.32(a) prints FV = PV × [1 + (i ÷ 2)]^(m ÷ 6) in the 1997–2005 subpart. For May 2005 and later bonds, 31 CFR 351.35(d) sets monthly accrual and semiannual compounding. We round the $12.50 unit (31 CFR 351.16) to the cent every 6 months and scale via 31 CFR 351.70 ("$25.044 rounds to $25.04; calculated value of $25.045 rounds to $25.05"). Your TreasuryDirect account figure governs.
- Reading of years 21 to 30: Under 31 CFR 351.35(b)(1), "The Secretary or the Secretary's designee determines the fixed rate of interest, which is established for the life of the bond, including the extended maturity period, unless, prior to the beginning of such maturity period, the Secretary either announces a different fixed rate applicable to the extended maturity period, or we expressly amend the terms and conditions applicable to the extended maturity period." TreasuryDirect's May 2005 rate page adds: "For bonds bought since May 2005, we may change the interest rate or the way the EE bond earns interest for the last 10 years of the bond's 30-year life. If we do that, we must do it before the bond is 20 years old." Months 241 to 360 assume the initial fixed rate stays unchanged.
- Electronic bonds take the 1st of the month they post to your holdings as their issue date (31 CFR 351.64). Paper bonds from 2005 to 2011 take the 1st of the month payment was received (31 CFR 351.42). Interest posts on the 1st of each month (31 CFR 351.35(d)), with no daily accrual between months.
These figures are estimates for learning and planning, not financial, tax, legal or investment advice. Terms of use.
What to do with the result
Cash on or soon after the 1st of the month. Under 31 CFR 351.35(d), interest posts on the 1st and never accrues mid-month. Cashing on October 30 misses the November 1 credit. On the 6th anniversary of a November-issued $10,000.00 2.90% bond, waiting from October 30 ($11,856.00) to November 1 ($11,880.00) keeps $24.00 of interest. Park cash in short-term bills via the Treasury bill yield calculator until you reinvest.
Check the 20-year doubling cliff before cashing in years 16 to 19. On a $10,000.00 2.90% bond, holding from year 17 ($16,312.00) to year 20 ($20,000.00) gains $3,688.00 in 3 years (a 7.03% effective annual return). On January 2012 to October 2022 issues (0.10% to 0.60%), years 17 to 20 return 21.73% to 24.87% a year. Compare fixed-rate compounding in the compound interest calculator.
Wait past month 60 if you are near the 5-year mark. Under 31 CFR 351.35(e), a $10,000.00 2.90% bond cashed at month 59 pays $11,432.00 ($80.00 penalty lost). Month 60 pays $11,544.00, a $112.00 one-month gain. Compare 5-year early cash-ins on inflation bonds in the I bond calculator.
Plan for taxes in year 30. Series EE bonds earn $0.00 after month 360 (31 CFR 351.34(b)). Under TreasuryDirect's "Tax information for EE and I bonds" page, matured electronic bonds move to your Certificate of Indebtedness and generate Form 1099-INT. Under IRS Publication 550, that interest goes in Form 1099-INT Box 3; estimate the tax in the federal income tax calculator.
Frequently asked questions
How does the 20-year doubling guarantee work on a Series EE bond?
Under 31 CFR 351.35(f)(2), an electronic Series EE bond is worth at least twice its purchase price on its 20th anniversary. When the fixed rate is 3.49% or lower, compounding stops short of 2× and Treasury makes a one-time top-up at year 20. For example, a $1,000.00 bond bought in May 2026 at 2.40% compounds to $1,612.80 by May 2046, and Treasury adds $387.20 to pay $2,000.00.
How much does the 3-month early redemption penalty take before 5 years?
Under 31 CFR 351.6(b) and 351.35(e), you cannot cash before 12 months, and cashing in months 12 to 59 drops the last 3 months of interest. As TreasuryDirect's EE bonds page notes, at "18 months, you get the first 15 months of interest." On a $10,000.00 2.90% bond at 18 months, you get $10,360.00 instead of $10,440.00 ($80.00 lost). From month 60 on, the penalty is $0.00.
Can I value a 2005–2011 paper Series EE bond (or a Patriot Bond issued May 2005 or later) here?
Yes. Enter what you paid (half the printed face value) as the Purchase Amount. Under 31 CFR 351.40, paper EE bonds sold before January 1, 2012 cost 50% of face value, and Treasury applies the same fixed-rate unit math to your cash outlay. A $100.00 face-value paper bond bought in May 2006 for $50.00 (3.70% rate) reached $104.08 in May 2026.
Why do Series EE bond values move in multiples of $0.08 per $100.00?
Under 31 CFR 351.16, Treasury figures interest on a $12.50 unit rounded to the cent. Under 31 CFR 351.70, 8 units price each $100.00 of principal. Each 1-cent change in the unit moves a $100.00 bond by $0.08 and a $10,000.00 bond by $8.00. At 0.10% (November 2015 to October 2022 issues), 6 months on $12.50 is 0.625 cents, rounding up to $0.01. Across years 6 to 19, that adds $16.00 a year on $10,000.00 instead of $10.00.
What interest rate does a Series EE bond earn in years 21 to 30?
Under 31 CFR 351.35(b)(1), the initial fixed rate holds for all 30 years unless Treasury announces a new rate or term before the bond turns 20. If 2.90% continues on the doubled $20,000.00 value of a $10,000.00 November 2026 bond, it reaches $26,672.00 at year 30 ($6,672.00 earned in years 21 to 30). If Treasury resets the rate before year 20, you can cash at year 20 for $20,000.00.
How is Series EE bond interest taxed on Form 1099-INT?
Series EE interest owes federal income tax and is exempt from state and local income tax under 31 U.S.C. 3124(a). TreasuryDirect's "Tax information for EE and I bonds" page notes that most owners defer reporting until cash-in or 30-year maturity ($10,000.00 of interest on a $10,000.00 bond doubled to $20,000.00). Under IRS Publication 550, Form 1099-INT Box 3 reports the interest on the redeemed bond (or post-reissue interest on a transferred electronic bond). Under IRS Publication 550, switching to annual reporting taxes all prior unreported interest in the change year and applies to current and future EE and I bonds.
Should I buy a Series EE bond or a Series I bond?
A Series EE bond pays a fixed rate (2.90% for November 2026 to April 2027) with a 2× floor at year 20 (31 CFR 351.35(f)(2)), yielding 3.50% semiannually (3.53% APY) if held all 20 years. Under IRS Publication 550, Series I bonds are inflation-indexed bonds. Unlike EE bonds they have no 20-year doubling guarantee. Compare current Series I rates in the I bond calculator.
Sources
- 31 U.S.C. 3105, Savings bonds and savings certificates (Cornell LII text) (current version)
- 31 U.S.C. 3124, Exemption from taxation (Cornell LII text) (current version)
- 26 U.S.C. 454, Obligations issued at discount (Cornell LII text) (current version)
- 31 CFR Part 351, Offering of United States Savings Bonds, Series EE (eCFR text) (current version)
- TreasuryDirect, EE bonds (page modified Oct 30, 2026)
- TreasuryDirect, EE bond interest rates for bonds issued since May 2005 (page modified Oct 30, 2026)
- TreasuryDirect, Cash EE or I savings bonds (page modified Oct 30, 2026)
- TreasuryDirect, Tax information for EE and I bonds (page modified Oct 30, 2026)
- IRS, Publication 550 (2025), Investment Income and Expenses (page reviewed Apr 30, 2026)
- IRS, Instructions for Forms 1099-INT and 1099-OID (page reviewed Apr 30, 2026)
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