Data source
All values come from the U.S. Treasury's Savings Bonds Value Files, published on Treasury's Fiscal Data site (api.fiscaldata.treasury.gov). They give the redemption value of a $25 bond for every series, issue month and redemption month. Larger bonds are proportional: a $100 bond is worth exactly four times the $25 value. The current files run through Nov 2026.
What we show
- Value: Treasury's redemption value for the month you choose, scaled to the bond's face value.
- Issue price: what the bond cost new: 50% of face for paper Series EE, 75% for Series E, 81% for Savings Notes and 100% for Series I.
- Interest: value minus issue price.
- Average yield: the annual return from issue to the chosen month with twice-yearly compounding, using the method in Treasury's own Fiscal Data workbook.
- Final maturity: 30 years after issue, or 40 years for Series E bonds issued May 1941 through November 1965.
- Status: "Stopped earning" after final maturity. "Under 5 years" when a 3-month interest penalty applies (Treasury's values already include it). "Not cashable" in the first 12 months, or 6 months for bonds issued before February 2003.
Testing
Before launch we compared the calculator with TreasuryDirect's official Savings Bond Calculator on 25 bonds across every series, from 1944 to 2026, including matured bonds, bonds under 5 years old and bonds not yet cashable. Value, issue price, interest, final maturity and status matched in all 25 cases. We repeat the check every time new Treasury values are loaded.
Which face values and issue dates the calculator accepts also follows TreasuryDirect. For example, $75 Series E bonds exist only from May 1964.
Limits
The calculator values paper bonds. It doesn't value Series HH bonds or older series (A–K), and it can't tell whether a specific bond has already been cashed. Always confirm with your bank or TreasuryDirect before you rely on a value.