Free calculator
U.S. savings bond calculator
Estimate the current redemption value of a paper U.S. savings bond (Series EE, E, I, or Savings Notes) from the issue year and month, face value (denomination), and a valuation month (as-of date). Values come from the U.S. Treasury Fiscal Data savings-bond file, which publishes amounts on a $25 base—we scale to your denomination. This is an illustration for learning and quick checks. Electronic bonds and official account balances belong in TreasuryDirect—use the link below to verify.
When to use this calculator
You hold a paper U.S. savings bond and want a rough current value using the same official redemption table family published for developers—not a bank quote.
- Check a paper Series I or EE bond before you model the same structure in a spreadsheet plan.
- Compare face value to redemption value to understand accrual—then verify on TreasuryDirect for your exact holding.
- Pair with the compound interest lexicon and templates when you are building long-horizon savings models (different use case, linked below).
- Clarify that this page is U.S. Treasury savings bonds, not generic bond-yield or European Anleihe math.
We call the U.S. Treasury Fiscal Data API for the Savings Bonds Value Files table (sb_value). Each response row is keyed by redemption year/month, series code, and issue year; the columns issue_jan_amt–issue_dec_amt hold the published amount for a $25 bond for each issue month. Series EE maps to code N in that dataset.
Narrow the official table
We request the row matching your as-of month, series (E / N=EE / I / S), and issue year, then read the issue month cell you select.
Scale to your denomination
The published number is for $25 face. We multiply by (your face value ÷ 25) to match $50, $100, and other standard denominations.
What this does not replace
Electronic holdings, serial numbers, tax reporting, and final redemption at a financial institution still flow through TreasuryDirect and your statements—treat this page as a developer-aligned check.
Data updates on Treasury’s semi-annual savings-bond file cadence. If a month is missing, pick another as-of month or go straight to TreasuryDirect.
For growth-style projections with a constant rate, see the compound interest calculator; savings bonds use regime-specific accrual instead.
Google Sheets & Excel
The Treasury file is tabulated for a $25 face. Scale to any allowed denomination with (value for $25) × (face ÷ 25). In a sheet, put value25 in A1 and face in B1 (e.g. 100), then use the formula in the card.
=A1*(B1/25)Example: A1 = value for $25 from the table; B1 = your bond’s face (25, 50, 100, …). Result is a dollar amount in the same valuation month as the table.
Frequently asked questions
What is the difference between Series EE and Series I?
EE bonds are discount U.S. savings bonds (Treasury’s tables carry EE as code N in Fiscal Data) with their own rate and maturity rules. I bonds combine a fixed and inflation component; both are U.S. Treasury products—this tool only reads the published value file for a given issue and as-of date, it does not forecast future rates.
Why can’t I look up an electronic bond here?
Electronic savings bonds are held in TreasuryDirect. The authoritative current value, purchases, and redemptions are in your account there. This page is built for the public paper-bond value table pattern.
What is a Patriot Bond?
Patriot Bond is a label on some paper EE bonds sold after 2001—they follow EE rules. If yours says Patriot, still choose Series EE here and match issue date and denomination.
When should I use TreasuryDirect instead?
For any binding transaction, tax prep, or electronic holdings, use [TreasuryDirect](https://www.treasurydirect.gov/) (and the official savings bond calculator there). This site cannot access your account.
The result looks wrong or empty—what should I try?
Confirm series, issue year/month, and as-of month, then click Calculate again. If a issue month cell is blank in the government file, the API cannot return a value. When in doubt, cross-check the [TreasuryDirect](https://www.treasurydirect.gov/BC/SBCPrice) tool.
Is this a German (Anleihe) or other European bond price calculator?
No. U.S. savings bonds are a specific U.S. Treasury retail product. German or Euro corporate or government bond yield and price tools use different markets and math. If you arrived from a Währungsrechner or Anleihe search, the scope here is USD U.S. savings bonds only.
How do I put this in Google Sheets or Excel?
Get the $25-base value for your issue and as-of month from the table, then scale: =value25*(face/25) where face is your bond’s printed denomination. Keep issue month and as-of month consistent with the Treasury file you are mirroring.
Is the redemption value the same as what I report for tax?
Not necessarily. Interest reporting depends on when you cash the bond, who owns it, and IRS rules. Use this page for illustration; use a tax professional or IRS guidance for reporting.
Is this investment or tax advice?
No. It is a free, educational calculator that reads public U.S. Treasury data. It is not a fiduciary or tax recommendation.