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1.1) How can I determine the value of my Savings Bonds?

    You can use one of our automated programs, the Savings Bonds Calculator or the Savings Bond Wizard described below.

    You also use free copies of simplified redemption tables and the Savings Bond Earning Report, both described below.

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1.2) Do you have an automated program that calculates the current value of my Savings Bonds?

    Yes! You can use our online Savings Bond Calculator. It allows you to enter bond series, issue date, and denomination information and returns the bond's current redemption value, interest rate, next accrual date, and final maturity date. You can even calculate year-to-date interest totals, historical redemption values, and more! You save your inventory on your computer for online updating later. None of your personal information remains on our website. The Calculator works most platforms.

You can also download our Savings Bond Wizard. It's a financial management tool that:

  • displays the current value and interest earned for each bond (and totals for all bonds)
  • checks for valid combinations of serial number, series, denomination, and issue date
  • allows you to change the redemption date and automatically recalculates bond values and interest for the new date
  • provides an update function so you can update the Wizard's database every six months with new bond data.

    • The Wizard works on IBM compatible PCs.

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1.3) Are there other ways I can find the value of my Savings Bonds?

  • Savings Bond Earnings Report - This report contains semiannual redemption values for $100 Series E, EE, and I Bonds/Notes. Values for other denominations can be calculated from the values shown. Savings Bond yields for the "current" six-month earnings period and yield from issue date are also shown.

  • Simplified Redemption Tables - Order the tables from our forms ordering program and receive a free copy of our simplified redemption table for $25 Series E Savings Bonds and Savings Notes and $50 Series EE and I Bonds (PD F 3600).

  • User Donated Savings Bond Software - We're aware of bond pricing programs that have been developed by independent programmers for various platforms including Windows, DOS, and Macintosh In the future, as programmers contact us, we may be able to make this software available to you on our site. While the Bureau of the Public Debt will not in any way endorse these products, we want to offer you convenient links to try them out.

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1.4)When do my bonds increase in value?

    Series EE and I Bonds issued on or after May 1, 1997 increase in value every month. Most bonds issued prior to May 1997 increase in value every six months. There are exceptions for bonds issued March 1993 through April 1995 - these bonds increase in value the first of every month during the first five years. After that, they increase in value semiannually, unless monthly increases are needed to make sure the bonds earn at least 4%. If you're going to cash a bond, it's a good idea to do so in the month interest is added to the bond's value. For example, a bond with an issue date of February 1990 increases in value every August 1 and February 1. If you cash this bond in July, you receive the same amount as if you had cashed it the prior February; but if you wait until August 1 to cash the bond, you receive another six months of interest. Be careful if you have old E bonds. Some of them had original maturity periods that were 9 years and 8 months (if issued 5/52-1/57), 8 years and 11 months (2/57-5/59), 7 years and 9 months (6/59-11/65), or 5 years and 10 months (6/69-11/73). In extended maturity periods (periods that are after original maturity and are usually 10 years long), interest is added every six months, starting with six months after original maturity (which might have been 5 years and 10 months after issue). If you have old bonds, you might want to check to see if they're still earning interest. For more detailed information, see When Your Bonds Increase in Value on the Savings Bonds website.

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1.5) What is the value of my Series HH Savings Bond?

    HH bonds are issued at face value and cashed at face value. For example, a $500 HH bond is worth $500 when cashed. Series HH bonds pay interest to the owner every six months. PLEASE NOTE: The Treasury Department will no longer issue HH/H bonds after August 2004. After August 31, 2004, you will no longer be able to reinvest your HH/H or exchange your EE/E bonds for HH bonds.

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    Keep in mind that these questions may not fit all situations and are only intended as guidelines. Please visit the Savings Bonds website at www.savingsbonds.gov, or see your organization's Savings Bonds contact if you have any questions