| SAVINGS BOND CALCULATOR | ||||
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| Value as of: |  | |||
| Series: | Denomination: | Bond Serial Number: | Issue Date: | |
FAQs
How do I find out how much my paper savings bonds are worth? ›
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 |
May 7, 2024
The Bond Value Formula. One of the most common methods to value a financial asset is to discount all its future cash flows to the present and sum them up. Therefore, the bond can also be calculated as the discounted present value of all the future cash flows.
How much is a $50 savings bond 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.
What happens to EE bonds after 30 years? ›If the interest rate changes, the U.S. government will notify you before the 20th year so you can decide if you want to hold the bond or cash it in. After 30 years, the bond no longer earns interest.
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).
What is the final maturity of a $100 savings bond? ›Series I bonds are sold at face value and mature after 30 years. Interest is added monthly to the bond's value.
How is your bond calculated? ›To calculate the value of a bond, add the present value of the interest payments plus the present value of the principal you receive at maturity. To calculate the present value of your interest payments, you calculate the value of a series of equal payments each over time.
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.
Can you cash in a savings bond at any bank? ›
Can you cash in a savings bond at any bank? Savings bonds can generally be redeemed with the bank where you have a checking account. For example, at Bank of America, customers who have had a checking or savings account open for at least six months can easily cash in their savings bonds.
Do savings bonds double after 20 years? ›EE bonds earn a fixed rate of interest, but, regardless of the rate, they are guaranteed to double in value if you hold them 20 years. Series I bonds earn a variable rate of interest that is tied to inflation. As inflation occurs, the bonds' values go up.
Can you look up savings bonds by Social Security Number? ›Using the owner's social security number, you can search for unclaimed U.S. savings bonds, or file a claim for one, by going to the U.S. Treasury's Treasury Hunt webpage. Series EE bonds.
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 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.
How do I trace old savings bonds? ›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.