Savings Bond Calculator: What Is My Savings Bond Worth Today?

This savings bond calculator gives the November 2026 value of a paper Series EE or Series E bond, its interest earned and whether it still earns. It needs only 4 details printed on the bond.

A $100 paper EE bond issued in December 1988, for example, is worth $207.36 in November 2026, and a $100 Series E bond from November 1965 is worth $736.12.

ClaimMyBonds is a private, independent site about US savings bonds, not the government. The calculator is ours, built on the redemption values Treasury publishes in its Savings Bonds Value Files, and it is not TreasuryDirect's tool.

Values can change only on the first day of each month, so every number on this page names its month. For background on how paper and electronic bonds work, start with our guide to US savings bonds.

How to Use the Savings Bond Calculator: 4 Details From Your Paper Bond

The calculator needs 4 details from the paper bond: series, face value, issue month and issue year, plus the month you plan to cash it. All 4 details are printed on the front of the bond. The month you plan to cash it is called the redemption month, and it defaults to November 2026.

The calculator asks for nothing else. It needs no serial number, no owner name and no Social Security number, and nothing you enter leaves your browser. Treasury's own calculator works the same way: it prices a bond from its series, face value and issue date alone.

Series: EE, E, I or Savings Note?

The series is printed in the upper right corner of a paper bond: EE on bonds issued January 1980 to December 2011, E on bonds issued May 1941 to June 1980. Treasury's value files cover 4 paper series, and 3 of them carry special names that do not change the value. The 4 series and their special names are listed below.

• Series EE (paper issue dates January 1980 to December 2011), including Patriot Bonds, an EE name used on bonds issued December 2001 to December 2011 with the same values as any EE of that issue month.
• Series E (issue dates May 1941 to June 1980), including Defense Savings Bonds (1941) and War Savings Bonds (1942 to 1945), the Series E war bonds sold during World War II.
• Series I (paper issue dates from September 1998), including Gulf Coast Recovery Bonds, paper I bonds issued March 29, 2006 to September 30, 2007.
• Savings Notes, also called Freedom Shares, issued May 1967 to October 1970.

A "1955 EE bond" does not exist. Series EE began in January 1980, so any bond dated May 1941 to June 1980 is Series E, and E bonds follow different prices and maturity rules than EE bonds.

Face Value: Which Denominations Each Series Had

Paper EE bonds came in 8 face values from $50 to $10,000 and cost half of face, so a $100 EE bond cost $50 (31 CFR 351.40). The face value is the amount printed on the bond, not what the bond is worth today.

Series E bonds cost 75% of face (31 CFR 316.2(b)). Treasury's calculator accepts 9 Series E face values from $10 to $10,000, and the $10 bond is valid only for issue dates June 1944 to March 1950. A $100,000 Series E bond also existed, but it went only to trustees of employee savings plans.

The calculator rejects bonds that never existed. No paper EE bond was issued for $25: a $25 paper bond is Series E, and $25 is only the pricing unit in Treasury's files. Treasury's calculator lists no $5,000 Series E either. The table below shows the price and issue window of each face value.

Sources: 31 CFR 351.40 (Series EE), 31 CFR 316.2(b) and TreasuryDirect's calculator issue-date checks (Series E), as of November 2026.

Issue Month and Year (Not the Print Date)

The issue date is the month and year printed on the right side of the bond, below the series. It is always the first day of the month in which payment for the bond was received (31 CFR 351.42).

On Series E bonds the issue date sits in the upper right-hand portion of the face (31 CFR 316.2(c)). The issue date alone sets the value, because interest accrues from it.

Two other dates and names on the bond never set the value. The validation date, also called the print date, is the day the bond was printed, and Treasury never uses it for value.

The "Mail to" line names only where the bond was sent and does not make that person an owner. For value, knowing how to read a paper savings bond comes down to one rule: use the issue date, never the print date.

Redemption Month: Values Change on the First of Each Month

A savings bond's value changes only on the first day of a month, so one value applies to the whole redemption month (31 CFR 351.3).

A bond cashed on November 2 and one cashed on November 30 pay the same amount. Waiting until late in the month adds nothing. If the bond still earns, its value can next change on December 1.

Our calculator offers every redemption month from November 2026 to May 2027, the latest month in Treasury's current value files. For a past month, use TreasuryDirect's Savings Bond Calculator, which shows values back to January 1996.

One group of EE bonds moves even more slowly. EE bonds issued May 1995 to April 1997 add interest only every 6 months, not monthly. A January 1997 bond is worth $31.65 for each $25 of face in November and December 2026, then $32.16 from January 1, 2027.

For a $100 bond that is $126.60, then $128.64. Cashing such a bond a month before its 6-month step gives up that period's interest, which makes the step one of the rules behind when to cash savings bonds.

What the Calculator Shows: Value, Interest Earned and Earning Status

The calculator returns 3 results: redemption value, interest earned since issue and earning status. Each result comes from the same row of Treasury's value files. For a bond that still earns, the result card also lists its value in each later month through May 2027.

Redemption Value as of November 2026

A $100 paper EE bond issued in December 1988 is worth $207.36 in November 2026, unchanged since it stopped earning in December 2018.

That $207.36 is the redemption value: the amount paid when the bond is cashed in that month. The same bond is worth $207.36 in May 2027, because a bond past final maturity no longer grows.

The redemption value already includes the 3-month interest penalty that applies to EE bonds issued May 1997 or later and cashed less than 5 years after issue (31 CFR 351.31, 351.51(b)).

No paper EE bond is under 5 years old now. The newest paper EE bonds were issued in December 2011, almost 15 years ago, so the penalty affects none of them.

Interest Earned Since the Issue Date

Interest earned is the redemption value minus the purchase price: $207.36 minus $50.00 = $157.36 for that December 1988 bond.

The purchase price of a paper EE bond is half of face, and a Series E bond cost 75% of face. A $100 Series E bond from November 1965 cost $75.00, so its $736.12 value holds $661.12 of interest.

That interest is subject to federal income tax for the year the bond is cashed or reaches final maturity, whichever comes first (26 U.S.C. 454; 26 CFR 1.454-1(a)(1)). The exception is an owner who chose to report the interest each year.

For a bond that reached final maturity in an earlier year, that earlier year is the year the rule names. The interest is exempt from state and local income tax (31 U.S.C. 3124(a)).

A tax professional can say how these rules apply to your return. Federal reporting of the interest is set out under taxes on savings bond interest.

Still Earning or Final Maturity Reached

A paper EE bond stops earning interest 30 years after its issue date, and a Series E bond after 40 or 30 years (31 CFR 351.5, 316.8(b)). That stopping date is called final maturity.

The calculator compares your redemption month with the bond's final maturity date. A redemption month on or after that date returns "Final maturity reached", and the value no longer changes.

Every EE bond issued January 1980 to November 1996 has stopped earning. December 1996 issues stop on December 1, 2026: a $100 bond of that month is worth $126.60 in November 2026 and $128.64 from December 2026.

Every Series E bond stopped earning by June 2010, when the last June 1980 issues reached 30 years. No Series E bond earns interest in 2026, so waiting adds nothing to an E bond, and there is no deadline to cash it.

A bond past final maturity earns nothing by waiting, so its owner loses no interest by cashing it now. Final maturity by series is set out under when savings bonds stop earning interest.

Why Some Paper EE Bonds Are Worth Less Than Face Value

Paper EE bonds issued May 2007 to December 2011 are below face value in November 2026 because they cost half of face and have not reached 20 years. Original maturity is the date a bond is guaranteed to reach a set value.

A paper EE bond issued June 2003 or later is guaranteed to be worth at least face at original maturity, 20 years after issue (31 CFR 351.35(f)(1)). For these bonds, that date falls from May 2027 to December 2031.

The below-face group covers 56 issue months. A $1,000 bond issued May 2007 is worth $964.40 in November 2026 and $1,000.00 in May 2027, when it reaches 20 years.

A $100 bond issued December 2011 is worth $54.76 in November 2026. None of these bonds has lost value: each is worth more than its purchase price and keeps growing toward face.

Where the Savings Bond Values Come From

Every value comes from the Savings Bonds Value Files that the Bureau of the Fiscal Service publishes on Fiscal Data (dataset 015-BFS-2014Q3-094, last updated November 2, 2026). The files list a redemption value for each series, issue month and redemption month. ClaimMyBonds copies those values; it never computes them from interest rates.

Fiscal Service releases the files twice a year, and the current release runs through May 2027. We reload the files each month and print the redemption month next to every value. You can check any number here against the source: the Savings Bonds Value Files on Fiscal Data are public.

One $25 Unit, Scaled to Your Bond's Face Value

Treasury publishes one value for a $25 face unit, and any other face value is that unit times the number of $25 units in the face, rounded to the cent.

A $100 bond holds 4 units, a $500 bond 20 and a $1,000 bond 40. A December 1988 EE unit is $51.84 in November 2026, so a $100 bond is $51.84 x 4 = $207.36. A $1,000 bond of the same month is $51.84 x 40 = $2,073.60.

Behind each unit, EE interest is computed on $12.50, the price of a $25 face unit (31 CFR 351.16). Treasury rounds that $12.50 unit and multiplies the rounded value. Generic compound-interest calculators skip those steps, so their answers can differ from the amount a bank or Treasury actually pays.

Our Calculator and TreasuryDirect's Savings Bond Calculator

Both calculators use Treasury's published values; TreasuryDirect's covers more series and past months, and ours adds year tables and earning status. TreasuryDirect's Savings Bond Calculator is Treasury's own tool for paper Series EE, I, E and Savings Notes, with past values back to January 1996. The 2 tools compare on 5 points, listed below.

• Series covered: TreasuryDirect's tool prices paper EE, I, E and Savings Notes; ours prices paper EE and E, and sends I bonds and Savings Notes to Treasury's tool.
• Months offered: TreasuryDirect shows past values back to January 1996 and future values only through the bond's current 6-month rate period; ours shows November 2026 to May 2027.
• Several bonds at once: TreasuryDirect's tool keeps a list of bonds with total value, total interest, year-to-date interest, current rates and the next accrual date. Ours prices one bond at a time.
• Serial number: neither tool needs it; both price a bond from series, face value and issue date.
• Limits: neither tool verifies ownership, checks whether a bond was already cashed, or values electronic bonds.

TreasuryDirect states that it has no approved apps or third-party websites for account access, and ClaimMyBonds has no access to any TreasuryDirect account. For past months, several bonds or I bonds, use TreasuryDirect's Savings Bond Calculator directly.

Series EE Savings Bond Value by Issue Year (November 2026)

A $100 paper Series EE bond is worth $54.76 to $334.80 in November 2026, depending on its issue month. The highest, $334.80, is for bonds issued May to October 1980, and the lowest, $54.76, for December 2011.

Every EE bond issued 1980 to 1995 now holds its final value, so those rows will not change. Bonds issued 1997 to 2011 still earn, and their rows change as months pass.

For any other face value, scale the $100 value in the table: a $500 bond is worth 5 times the $100 value, a $50 bond half of it. Rules by issue period, such as how each group earns interest and when it reaches original maturity, are set out under Series EE savings bonds.

EE bonds issued May 1997 or later rise or hold from one month to the next in the current file through May 2027. Their values never fall.

For 14 issue months between May 2009 and December 2011, the value holds for one month at least once before May 2027. A later month is never worth less.

The table shows the lowest and highest $100 value among the issue months of each year, with the year's earning status and final maturity.

Value of a $100 paper Series EE savings bond in November 2026, by issue year. Other face values: multiply by the face value divided by 100 (5 for a $500 bond, 0.5 for a $50 bond). Source: Bureau of the Fiscal Service, Savings Bonds Value Files, updated November 2, 2026.

Series E Savings Bond Value by Issue Year (Frozen Values)

A Series E savings bond is worth its final-maturity value, frozen since interest stopped. A $100 bond is worth $362.36 if issued May 1941 and $936.44 if issued December 1964 or January 1965, the highest $100 value of any Series E issue month.

The frozen value is the same in every month, so an E bond cashed today pays exactly what it paid the day it reached final maturity.

War bonds are Series E bonds. A war bond is worth the same as any Series E of the same issue month and face value, and Treasury pays no collector premium. Final maturity rules and cashing steps for every E bond are set out under Series E savings bonds.

Each row of the table gives the range across that year's issue months for a $100 face. For other face values, scale the figure: a $25 bond is worth one quarter, a $50 bond half and a $1,000 bond 10 times the $100 value.

A $25 war bond issued in January 1944, for example, is worth $105.09. Values also step between years: a $100 bond issued December 1950 is worth $617.04, and one issued January 1951 is worth $650.40.

The table shows the lowest and highest frozen $100 value among the issue months of each year, the bond's life and when interest stopped.

Value of a $100 Series E savings bond, frozen since final maturity (identical in November 2026 and every later month in the file). Source: Bureau of the Fiscal Service, Savings Bonds Value Files, updated November 2, 2026.

The 1965 Value Cliff: 40-Year and 30-Year Series E Bonds

A November 1965 $100 Series E bond is worth $736.12, and a December 1965 one is worth $512.48. The gap comes from the term: issues through November 1965 earned interest for 40 years, later issues for 30 years (31 CFR 316.8(b)).

The December bond earned interest for 10 fewer years, so it is worth $223.64 less. October and November 1965 bonds are both worth $184.03 per $25 of face, so the cliff falls exactly between November and December.

Series I, Savings Notes and Older Series: What the Calculator Covers

This calculator prices paper Series EE and E bonds; for paper Series I bonds and Savings Notes, use TreasuryDirect's calculator. Treasury's value files cover all 4 series, but this calculator does not price I bonds or Savings Notes. Older series need no calculator, because each pays a fixed amount.

I bonds earn interest for 30 years, and the first ones, issued September 1998, reach final maturity in September 2028 (31 CFR 359.5). Every I bond therefore still earns.

Paper I bonds were sold until January 1, 2012, and through federal tax refunds until January 1, 2025. Paper I bonds and their cash-in rules are covered under Series I savings bonds.

Savings Notes earned interest for 30 years and stopped by October 2000, between May 1997 and October 2000 depending on the issue month (31 CFR 342.0). They sold at 81% of face in $25, $50, $75 and $100 denominations, and only together with a Series E bond of the same or greater face value.

The older series, from A to K, stopped earning long ago and pay face value or a fixed premium. The table shows what each is worth and how it is cashed.

Sources: 31 CFR 315.35(b), (d); 31 CFR 321.7(a); TreasuryDirect, as of November 2026. Every series: types of US savings bonds, from A to I.

What to Do Once You Know Your Savings Bond's Value

4 next steps follow from the value: cash the bond, report the interest, claim a relative's bonds, or trace a lost one. The value you found here is the amount the bond pays in that month, whichever route you take.

Treasury charges no fee to cash a bond, and FS Form 1522 is free from TreasuryDirect. The 4 next steps are listed below.

1. Cash the bond at a bank or by mail with FS Form 1522 (Rev. April 2026; a notary or certifying officer must certify the signature only above $1,000): see how to cash savings bonds.
2. Report the interest for the year the bond is cashed or reaches final maturity, whichever comes first; for a bond past final maturity, that is the earlier final maturity year.
3. Claim a deceased owner's bonds as a co-owner, beneficiary or heir: see savings bonds after death.
4. Trace lost bonds now that Treasury Hunt is closed: see how to find lost or missing savings bonds.

Banks may cash paper savings bonds but are not required to, under Treasury guidance (FS Publication 0022, Rev. October 2022). Policies differ by bank and change over time, so check the bank's own page before you go. Dated policies by bank are collected under what banks cash savings bonds.

Savings Bond Value Questions

How much is a $100 savings bond from 1994 worth today?

A $100 Series EE bond issued in any month of 1994 is worth $164.12 in November 2026, unchanged since 1994 issues reached final maturity in 2024. The value stays $164.12 in every later month. A $50 bond from 1994 is worth $82.06, and a $500 bond $820.60.

How much is a $100 savings bond worth after 30 years?

A $100 paper EE bond at its 30-year final maturity is worth $123.56 to $334.80, depending on the issue month. It is worth $128.64 for November 1996, $164.12 for 1994 and $207.36 for 1987 to 1992 issues. A 30-year Series E bond of $100, issued December 1965 to June 1980, is worth $426.68 to $560.04.

How much would a $1,000 savings bond be worth in 20 years?

A $1,000 paper EE bond issued June 2003 or later is worth at least $1,000 at 20 years. A May 2007 $1,000 bond, for example, is worth $964.40 in November 2026 and reaches $1,000.00 in May 2027. An electronic EE bond is guaranteed at least double its purchase price at 20 years.

Is it worth keeping EE bonds after 20 years?

An EE bond keeps earning after 20 years until final maturity at 30 years. EE bonds issued May 1997 to April 2005 earn 4.02% for 6-month periods starting on or after November 1, 2026. A bond past 30 years earns nothing more, so holding it adds no value. Whether to hold or cash a bond that still earns is your decision. Each issue period has its own rate history, so savings bond interest rates differ by issue date.

How much is a $50 savings bond from 2005 worth today?

A $50 paper EE bond issued in 2005 is worth $51.48 to $53.36 in November 2026: $53.36 for a January issue and $51.48 for a December issue. A 2005 bond still earns interest until its final maturity in 2035. Values by issue year for this face are on our $50 savings bond page.

Are Series EE savings bonds worth anything?

Yes: every paper Series EE bond is worth more than its purchase price. The lowest $100 value, for a December 2011 bond that cost $50, is $54.76 in November 2026. Savings bonds never expire, and there is no deadline to cash them (EO 13968, 85 FR 83745).

How much is a 30-year-old $500 savings bond worth today?

A $500 paper EE bond issued in November 1996 is worth $643.20 in November 2026. It reached final maturity on November 1, 2026, so its value no longer changes; its interest earned is $393.20 over the $250 price. A $500 bond issued December 1996 is worth $633.00 in November 2026 and stops earning on December 1, 2026.

Do I need the serial number to check a bond's value?

No: neither our calculator nor TreasuryDirect's needs the serial number. We never ask for a serial number, Social Security number or birth certificate number. Treasury needs the serial number for a lost-bond claim filed 6 years or more after final maturity (31 CFR 315.29(c), 353.29(c)). A savings bond serial number identifies one bond and does not change its value.

Claims that a birth certificate number unlocks bonds owed to you are false, TreasuryDirect warns. Such claims are among the known savings bond scams.

Can I check the value of an electronic savings bond here?

No: electronic savings bonds are valued only inside the owner's TreasuryDirect account, which uses ID.me login only since October 28, 2026. Paper bonds converted online through SmartExchange become electronic savings bonds and are then valued in the account too.

Savings Bond Values by Face Value

Each paper face value from $10 to $10,000 has its own value range by series and issue year. A $5,000 bond is Series EE only, and a $10 bond is Series E only, issued June 1944 to March 1950. The 10 face values are listed below.

• $10 savings bond (Series E only)
• $25 savings bond
• $50 savings bond
• $75 savings bond
• $100 savings bond
• $200 savings bond
• $500 savings bond
• $1,000 savings bond
• $5,000 savings bond (Series EE only)
• $10,000 savings bond

Interest Rates and Maturity Behind the Values

The values follow each bond's rate history and maturity dates. A bond's issue date fixes which rate rules apply and when its interest stops, 30 or 40 years later.

December 1996 EE issues, for example, stop earning on December 1, 2026. EE bonds issued May 1997 to April 2005 earn 4.02% for periods starting on or after November 1, 2026.

How Many Matured Savings Bonds Are Still Uncashed?

103,064,737 matured paper savings bonds were unredeemed on September 30, 2026, of which 82,673,787 were Series EE and 19,751,346 were Series E (Fiscal Data). Fiscal Service publishes a piece count, not a dollar total, for these unclaimed savings bonds: see unclaimed savings bonds.

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Claiming from Treasury and from state programs costs nothing, and the forms are free. Found bonds you cannot cash, or a relative's bonds? ClaimMyBonds is a private company, not the government; we can help with the paperwork, tracing and follow-up.