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 2022 Series I bonds
- A $100 bond issued January 2022 is now worth 1.2 times its $100.00 purchase price.
- Over the past 12 months a $100 January 2022 bond grew from $119.04 to $122.64 (+$3.60, 3.0%).
- It keeps earning for about 25 more years, until Jan 2052.
- Fixed rate (set at purchase, never changes): Jan–Oct 2022: 0.00%; Nov–Dec 2022: 0.40%.
- Composite rate in the 6-month period starting May 2026 (by issue month): Jan–Oct: 3.34%; Nov–Dec: 3.75%.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 2022 | $61.32 | $122.64 | $613.20 | $1,226.40 | Under 5 years | Jan 2052 |
| February 2022 | $61.16 | $122.32 | $611.60 | $1,223.20 | Under 5 years | Feb 2052 |
| March 2022 | $61.00 | $122.00 | $610.00 | $1,220.00 | Under 5 years | Mar 2052 |
| April 2022 | $60.84 | $121.68 | $608.40 | $1,216.80 | Under 5 years | Apr 2052 |
| May 2022 | $59.52 | $119.04 | $595.20 | $1,190.40 | Under 5 years | May 2052 |
| June 2022 | $59.36 | $118.72 | $593.60 | $1,187.20 | Under 5 years | Jun 2052 |
| July 2022 | $59.20 | $118.40 | $592.00 | $1,184.00 | Under 5 years | Jul 2052 |
| August 2022 | $59.06 | $118.12 | $590.60 | $1,181.20 | Under 5 years | Aug 2052 |
| September 2022 | $58.90 | $117.80 | $589.00 | $1,178.00 | Under 5 years | Sep 2052 |
| October 2022 | $58.76 | $117.52 | $587.60 | $1,175.20 | Under 5 years | Oct 2052 |
| November 2022 | $57.62 | $115.24 | $576.20 | $1,152.40 | Under 5 years | Nov 2052 |
| December 2022 | $57.44 | $114.88 | $574.40 | $1,148.80 | Under 5 years | Dec 2052 |
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 2022 Series I bonds
How much is a $100 Series I bond from 2022 worth?
As of October 2026, a $100 Series I bond issued in 2022 is worth $114.88 to $122.64, depending on the month it was issued. It cost $100.00 new.
What interest rate do 2022 I bonds earn?
Each I bond keeps the fixed rate it was issued with (Jan–Oct 2022: 0.00%; Nov–Dec 2022: 0.40%) plus the current inflation rate, which resets every six months. Source: U.S. Treasury Fiscal Data.
Do 2022 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