Series EE Savings Bond Calculator
Calculate EE bond value with guaranteed doubling at 20 years. Compare to Series I bonds.
Current Value
$1,137.87
Interest Earned
$137.87
Effective Yield
2.45%
Bond Details
| Face Value (Purchase Amount) | $1,000.00 |
| Fixed Rate | 2.6% |
| Time Held | 5 years, 4 months |
| Current Value | $1,137.87 |
| Interest Earned | $137.87 |
20-Year Guarantee
| Guaranteed Value at 20 Years | $2,000.00 |
| Guarantee | EE bonds double in value at 20 years |
| Effective Minimum Rate | 3.5% (if held 20 years) |
Use the Series EE Savings Bond Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Our Series EE Savings Bond Calculator helps you estimate the future value of your EE bonds, particularly highlighting their guaranteed doubling at 20 years. This tool is crucial for long-term financial planning, allowing you to see how your investment grows over time and compare its potential returns against Series I bonds, especially relevant for those considering purchases in 2026. Understanding your bond's trajectory assists in making informed decisions about your savings strategy.
The calculation methodology for Series EE bonds is straightforward: the bond's face value doubles after 20 years, regardless of the fluctuating interest rate. For bonds purchased in 2026, the fixed interest rate is 0.10% for the first 20 years, after which a variable rate applies. Our calculator projects the bond's value based on this guaranteed doubling, assuming it's held for the full 20-year term to achieve its maximum guaranteed growth.
A common mistake is assuming the bond's interest rate will be high throughout its life; remember the guaranteed doubling is the key feature, not the initial low fixed rate. Be aware that EE bonds purchased after April 30, 2005, only earn interest for 30 years. Also, don't confuse the guaranteed doubling with the initial fixed rate; the bond's value is structured to reach double its face value at the 20-year mark.
Example: $1,000 EE Bond Purchased in 2026
- 1 You purchase a $1,000 Series EE bond in 2026 for $500 (half its face value).
- 2 The calculator applies the guaranteed doubling feature. At the 20-year mark (in 2046), the bond's value will be exactly double its face value.
- 3 Your $1,000 Series EE bond (purchased for $500) will be worth $1,000 in 2046.
- 4 This demonstrates the guaranteed doubling feature of Series EE bonds, regardless of the initial low fixed rate. For comparison, you can then use a Series I bond calculator to see how a similar investment might perform with inflation-adjusted returns over the same period.
Source: SEC · Last updated: April 2026
Frequently Asked Questions
How do EE bonds work?
How much can I buy in EE bonds per year?
Are EE bond interest rates tax-free?
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