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 2023 Series I bonds
- A $100 bond issued January 2023 is now worth 1.1 times its $100.00 purchase price.
- Over the past 12 months a $100 January 2023 bond grew from $110.72 to $114.52 (+$3.80, 3.4%).
- It keeps earning for about 26 more years, until Jan 2053.
- Fixed rate (set at purchase, never changes): Jan–Apr 2023: 0.40%; May–Oct 2023: 0.90%; Nov–Dec 2023: 1.30%.
- Composite rate in the 6-month period starting May 2026 (by issue month): Jan–Apr: 3.75%; May–Oct: 4.26%; Nov–Dec: 4.66%.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 2023 | $57.26 | $114.52 | $572.60 | $1,145.20 | Under 5 years | Jan 2053 |
| February 2023 | $57.08 | $114.16 | $570.80 | $1,141.60 | Under 5 years | Feb 2053 |
| March 2023 | $56.92 | $113.84 | $569.20 | $1,138.40 | Under 5 years | Mar 2053 |
| April 2023 | $56.76 | $113.52 | $567.60 | $1,135.20 | Under 5 years | Apr 2053 |
| May 2023 | $56.62 | $113.24 | $566.20 | $1,132.40 | Under 5 years | May 2053 |
| June 2023 | $56.42 | $112.84 | $564.20 | $1,128.40 | Under 5 years | Jun 2053 |
| July 2023 | $56.22 | $112.44 | $562.20 | $1,124.40 | Under 5 years | Jul 2053 |
| August 2023 | $56.02 | $112.04 | $560.20 | $1,120.40 | Under 5 years | Aug 2053 |
| September 2023 | $55.84 | $111.68 | $558.40 | $1,116.80 | Under 5 years | Sep 2053 |
| October 2023 | $55.66 | $111.32 | $556.60 | $1,113.20 | Under 5 years | Oct 2053 |
| November 2023 | $56.00 | $112.00 | $560.00 | $1,120.00 | Under 5 years | Nov 2053 |
| December 2023 | $55.80 | $111.60 | $558.00 | $1,116.00 | Under 5 years | Dec 2053 |
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 2023 Series I bonds
How much is a $100 Series I bond from 2023 worth?
As of October 2026, a $100 Series I bond issued in 2023 is worth $111.32 to $114.52, depending on the month it was issued. It cost $100.00 new.
What interest rate do 2023 I bonds earn?
Each I bond keeps the fixed rate it was issued with (Jan–Apr 2023: 0.40%; May–Oct 2023: 0.90%; Nov–Dec 2023: 1.30%) plus the current inflation rate, which resets every six months. Source: U.S. Treasury Fiscal Data.
Do 2023 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