What is my savings bond worth?

For Series I and Series EE. This reports what a bond has accrued and what a holder would actually receive, which are different numbers for the first five years.

Series I now
4.26%
Series EE now
2.40%
Series

For a paper Series EE bond, the amount paid is half the face printed on it: $12.50 bought a $25 bond. Enter what was paid.

Series EE pays a different rate depending on when it was bought

A Series EE bond bought today earns a fixed rate for its life. Bonds issued under earlier rules do not: their rate still resets every six months, under the rules in force when they were bought. The figure at the top of this page is the first case. If you already hold one, yours is below.

Current Series EE rate by issue cohort, with the six-month period it applies to and the number of periods on file.
Issued fromCurrent ratePeriod beganPeriods on file
May 19953.20%May 1, 202663
May 19973.39%May 1, 202659
May 20052.40%May 1, 202643

Rates reset on May 1 and November 1. A bond's own six-month periods run from its issue month rather than from those dates, so the rate above is the one the cohort is currently announced at, not necessarily the one a particular bond is earning through this minute. The calculator on this page uses the bond's own schedule.

The three rules that are not the rate

  1. Twelve months before it can be redeemed at all. Before that the bond has a value but no redemption value, and this page reports it as such rather than showing a number nobody could get.
  2. Three months of interest forfeit inside five years. And that is the value three months earlier, not a percentage taken off today's, which matters most when rates have moved.
  3. A Series I rate is a pair from two different announcements. The fixed rate of the period it was bought in, and the inflation rate of the period it is currently earning through, and those six-month periods run from the bond's own issue month, not from May and November. This is the one nobody expects.

Index levels before September 30, 2026 are back-tested. They were computed after the fact by applying the rules to historical data, which benefits from hindsight in the choice of rules, and an index cannot be invested in directly. Methodology v1.0 takes effect at that rebalance, when levels begin to be struck on the day; the rulebook is identical either way, and the version is published on every row.

A fitted curve is a fit, not a quote. Daily error averages 3.8 basis points across the history and reaches about 20 on the worst days, in December 2008, when the market was genuinely hard to fit one smooth curve to. Every curve page publishes its own fit error rather than burying it.

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Safe Rate™, Safe Rate Indices™ and the Safe Rate US Treasury Index™ are trademarks of Safe Rate, claimed through use in commerce and not registered. Third-party marks are the property of their owners, which are not affiliated with and do not endorse this data.

Curves are fitted from public Treasury data and carry fit error; figures are not a record of trading, and an index cannot be invested in directly. No claim of compliance with the IOSCO Principles for Financial Benchmarks is made or implied. Not investment advice, not an offer, and not a recommendation to buy or sell any security.