💰FinanceUpdated March 2026

Free Savings Bond Calculator 2026 — EE & I Bonds Returns

Calculate returns on US savings bonds. Project your EE and I bond earnings with current 2026 rates.

Bond Settings

$1,000
10 years

Current Rates (2026)

EE Bond Rate

3.50%

Annual

I Bond Rate

4.50%

Annual (incl. inflation)

Projected Bond Value

$1,414

After 10 years

Interest Earned

$414

Annual Yield

3.53%

Value Over Time

5yr
$1,189
10yr
$1,414
15yr
$1,682
20yr
$2,000
30yr
$2,828

How to use this calculator

  1. 1Select the type of savings bond (EE or I).
  2. 2Enter the face value amount you plan to purchase.
  3. 3Input the purchase date or years until cashing.
  4. 4View projected value, total interest earned, and annual yield.

Written by FreeToolCalc Team

Formulas based on standard financial/medical equations. Last updated: March 2026.

Understanding US Savings Bonds

Savings bonds are one of the safest investments backed by the US government. There are two main types: Series EE bonds (fixed rate, guaranteed to double in 20 years) and Series I bonds (inflation-protected).

EE vs I Bonds: Which Is Better?

Series EE Bonds

  • Guaranteed to double in 20 years
  • Current rate: ~3.5% annually
  • Best for: Conservative investors
  • Minimum: $25

Series I Bonds

  • Inflation-protected principal
  • Current rate: ~4-5% annually
  • Best for: Inflation hedging
  • Minimum: $25

Tax Benefits of Savings Bonds

One advantage of savings bonds is the ability to defer federal taxes until you redeem the bond. For education expenses, you may qualify for tax-free redemption if you meet income limits.

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Frequently Asked Questions

What is the current savings bond rate for 2026?

Series EE bonds purchased after 2012 earn a variable rate tied to Treasury yields. As of 2026, EE bonds earn approximately 3.5% annually. Series I bonds earn a combined fixed rate plus inflation rate (currently around 4-5% total).

When do savings bonds reach full value?

EE bonds reach face value after 20 years and continue earning interest until 30 years. I bonds have no set maturity but stop earning interest after 30 years.

Are savings bonds taxed?

Yes, savings bond interest is subject to federal income tax but exempt from state and local taxes. You can choose to report interest annually or defer until redemption.

Can I lose money on savings bonds?

If you cash an EE bond before 5 years, you lose the last 3 months of interest. After 5 years, you receive full face value plus all accrued interest. I bonds can lose purchasing power if inflation turns negative.