EE Savings Bond Calculator — Value of EE & E Bonds by Issue Date

Enter the face value printed on a paper bond (or what you paid for an electronic one), the issue month and the month you want it valued, and the calculator gives the amount Treasury pays for any Series EE bond since January 1980 and any Series E bond since 1941. The rules changed three times over those years, and it applies the right set for your issue date.

Bonds bought from May 2005 on earn the fixed rate set for their six-month issue window, from 3.70% for May to October 2006 down to 0.10% for most of 2015 to 2022; bonds issued from May 1 to October 31, 2026 earn 2.40%. At 20 years Treasury raises the value to twice the purchase price if the rate fell short, and the bond keeps earning the same rate until 30 years. Bonds bought from May 1997 to April 2005 earn a market rate, 90% of the average 5-year Treasury yield, reset every May and November (3.39% since May 2026), and are guaranteed to reach face value at 17 years, or 20 years for issues from June 2003. Bonds from May 1995 to April 1997 earn short-term and then long-term market rates credited every six months. Paper EE bonds sold for half their face value, so a $100 bond cost $50. Before five years the value is the one from three months earlier, and no bond can be cashed in its first 12 months.

Every EE bond bought before May 1995 and every Series E bond has passed its final maturity and stopped earning, so it is worth a fixed final amount that will never grow; the calculator shows Treasury's figure and there is no reason to keep holding the bond. All values are computed the way Treasury computes them, rounded to the cent on each $25 of face value, and match Treasury's published value tables for every issue month. The table below the calculator lists what a $100 EE bond is worth this month for each issue year, and EE interest is exempt from state and local tax but federally taxable when you cash the bond, unless it pays for qualified higher education.