These bonds are less than 5 years old. Cashing before 5 years loses the last 3 months of interest, and bonds can't be cashed at all in their first 12 months. The values shown already include the penalty.
Key facts about 2021 Series I bonds
- A $100 bond issued January 2021 is now worth 1.3 times its $100.00 purchase price.
- Over the past 12 months a $100 January 2021 bond grew from $122.20 to $126.92 (+$4.72, 3.9%).
- It keeps earning for about 24 more years, until Jan 2051.
- Fixed rate (set at purchase, never changes): Jan–Dec 2021: 0.00%.
- Composite rate in the 6-month period starting May 2026 (by issue month): Jan–Dec: 3.34%.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 2021 | $63.46 | $126.92 | $634.60 | $1,269.20 | Earning | Jan 2051 |
| February 2021 | $63.28 | $126.56 | $632.80 | $1,265.60 | Earning | Feb 2051 |
| March 2021 | $63.12 | $126.24 | $631.20 | $1,262.40 | Earning | Mar 2051 |
| April 2021 | $62.94 | $125.88 | $629.40 | $1,258.80 | Earning | Apr 2051 |
| May 2021 | $63.26 | $126.52 | $632.60 | $1,265.20 | Earning | May 2051 |
| June 2021 | $63.10 | $126.20 | $631.00 | $1,262.00 | Earning | Jun 2051 |
| July 2021 | $62.92 | $125.84 | $629.20 | $1,258.40 | Earning | Jul 2051 |
| August 2021 | $62.74 | $125.48 | $627.40 | $1,254.80 | Earning | Aug 2051 |
| September 2021 | $62.58 | $125.16 | $625.80 | $1,251.60 | Earning | Sep 2051 |
| October 2021 | $62.40 | $124.80 | $624.00 | $1,248.00 | Earning | Oct 2051 |
| November 2021 | $61.66 | $123.32 | $616.60 | $1,233.20 | Under 5 years | Nov 2051 |
| December 2021 | $61.48 | $122.96 | $614.80 | $1,229.60 | Under 5 years | Dec 2051 |
Values as of October 2026. Other face values are proportional: a $200 bond is worth twice the $100 value. Click a month to open it in the calculator.
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Questions about 2021 Series I bonds
How much is a $100 Series I bond from 2021 worth?
As of October 2026, a $100 Series I bond issued in 2021 is worth $122.96 to $126.92, depending on the month it was issued. It cost $100.00 new.
What interest rate do 2021 I bonds earn?
Each I bond keeps the fixed rate it was issued with (Jan–Dec 2021: 0.00%) plus the current inflation rate, which resets every six months. Source: U.S. Treasury Fiscal Data.
Do 2021 Series I bonds still earn interest?
Yes. They earn interest for 30 years from the issue date.
Is the value before tax?
Yes. Savings bond interest is subject to federal income tax but not state or local income tax.
All Series I values by year · Found old savings bonds? What to do