I-Bond Calculator

Calculate Series I savings bond value from fixed rate, inflation rate, holding period, and early redemption penalty.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Purchase amount ($)

Fixed rate (%)

Inflation rate (%)

Holding period (years)

Federal tax bracket (%)

Tab to move between fields

Results

Redemption value ($)

$12,070.96

Composite rate (%)3.8%

Total interest earned ($)$2,070.96

Early penalty ($)$0

After-tax value ($)$11,615.35

Effective annual yield (%)3.84%

How to Use This Calculator

Enter your I-Bond purchase amount (up to $10,000 per person per year from TreasuryDirect).
Input the fixed rate and current inflation rate — check TreasuryDirect.gov for current rates.
Set your expected holding period in years and your federal income tax bracket.
Review Composite Rate, Redemption Value, and Total Interest to see your projected return.
Check Early Redemption Penalty and Effective Annual Yield if you may need to cash out before 5 years.

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