The Savings Bond Calculator WILL:
- 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.)
- Store savings bond information you enter so you can view or update it later. HOW TO SAVE YOUR INVENTORY
The Savings Bond Calculator WILL NOT:
- Give correct values for electronic bonds. The Calculator is for paper bonds only. For values of your electronic bonds, log in to your TreasuryDirect account.
- Verify whether or not you own bonds.
- Guarantee the serial number you enter is valid.
- Guarantee a bond is eligible to be cashed.
- Create a savings bond based on information you enter.
Beware of internet scams with a picture of this site claiming that you can enter your birth certificate number to access bonds owed to you. Those claims are false, and attempts to defraud the government can be prosecuted. See https://www.treasurydirect.gov/instit/statreg/fraud/birth-certificate-bonds.htm.
| SAVINGS BOND CALCULATOR (paper bonds only) |
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| Value as of: |  |
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| Series: | Denomination: | Bond Serial Number: | Issue Date (MM/YYYY): |
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FAQs
To find what your paper bond is worth today:
- Click the 'Get Started' Link on the Savings Bond Calculator home page.
- Once open, choose the series and denomination of your paper bond from the series and denomination drop down boxes.
- Enter the issue date that is printed on the paper bond. ...
- Click the 'Calculate' button.
How to get the most value from your savings bonds
| Face Value | Purchase Amount | 30-Year Value (Purchased May 1990) |
|---|
| $50 Bond | $100 | $207.36 |
| $100 Bond | $200 | $414.72 |
| $500 Bond | $400 | $1,036.80 |
| $1,000 Bond | $800 | $2,073.60 |
The bond valuation formula can be represented as: Price = ( Coupon × 1 − ( 1 + r ) − n r ) + Par Value ( 1 + r ) n . The bond value formula can be broken into two parts for better understanding. The first part is the present value of the coupons, and the second part is the discounted value of the par value.
How much would a $50 bond be worth? ›
| Total Price | Total Value | Total Interest |
|---|
| $50.00 | $69.94 | $19.94 |
It's possible to redeem a savings bond as soon as one year after it's purchased, but it's usually wise to wait at least five years so you don't lose the last three months of interest when you cash it in. For example, if you redeem a bond after 24 months, you'll only receive 21 months of interest.
How do I cash old paper bonds? ›
You can cash paper bonds at a bank or through the U.S. Department of the Treasury's TreasuryDirect website. Not all banks offer the service, and many only provide it if you are an account holder, according to a NerdWallet analysis of the 20 largest U.S. banks.
Do EE bonds really double in 20 years? ›
EE bonds you buy now have a fixed interest rate that you know when you buy the bond. That rate remains the same for at least the first 20 years. It may change after that for the last 10 of its 30 years. We guarantee that the value of your new EE bond at 20 years will be double what you paid for it.
How long does it take for a $100 EE savings bond to mature? ›
All Series EE bonds reach final maturity 30 years from issue. Series EE savings bonds purchased from May 1995 through April 1997 increase in value every six months.
Why is my $100 savings bond only worth 50? ›
There are two primary reasons a bond might be worth less than its listed face value. A savings bond, for example, is sold at a discount to its face value and steadily appreciates in price as the bond approaches its maturity date. Upon maturity, the bond is redeemed for the full face value.
Do savings bonds expire? ›
Series EE savings bonds are a low-risk way to save money. They earn interest regularly for 30 years (or until you cash them if you do that before 30 years).
If you moved your EE bond into a TreasuryDirect account, we pay you for the bond as soon as it reaches 30 years and stops earning interest. If you still have a paper EE bond, check the issue date. If that date is more than 30 years ago, it is no longer increasing in value and you may want to cash it.
How to calculate the present value of a bond? ›
The present value of a bond is calculated by discounting the bond's future cash payments by the current market interest rate. In other words, the present value of a bond is the total of: The present value of the semiannual interest payments, PLUS. The present value of the principal payment on the date the bond matures.
Where can I cash a $50 savings bond? ›
Banks and credit unions can redeem savings bonds over the counter.
How to find out if a savings bond has been cashed? ›
At a bank: If a bank cashes your savings bond, they are responsible for getting you a 1099-INT. They may give or mail you the 1099-INT as soon as you cash the bond or they may wait until the following January.
How much will I make on a 3 month treasury bill? ›
3 Month Treasury Bill Rate is at 5.25%, compared to 5.25% the previous market day and 5.10% last year. This is higher than the long term average of 4.19%.
Can you look up savings bonds by social security number? ›
With your Social Security Number (or Taxpayer Identification Number) or name and state, you can use our Treasury Hunt search to see if you have any savings bonds listed in our database. If you do, you'll get information on how to claim and cash them. We update Treasury Hunt every month.
How do I check the status of my mailed savings bonds? ›
tool on IRS.gov to check the status of your bond purchase request or call 1-800-829-1954. If the IRS already processed the refund and placed the request for the bond, you should contact the Treasury Retail Securities Site at 1-800-553-2663.
How do I trace old savings bonds? ›
Use this version even though you don't know the serial numbers. If your bond was issued in 1974 or after, go to Treasury Hunt. Enter the information Treasury Hunt requests. If the system finds your bonds, it will give you a special version of FS Form 1048 that enables us to process your claim without serial numbers.
