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Easily calculate your Series EE bond maturity value with our online calculator. Find out how much your savings bonds are worth today and plan your finances wisely!
Series EE savings bonds are a secure and low-risk investment issued by the U.S. Treasury. Many people invest in these bonds for long-term savings, as they are designed to double in value after 20 years. However, understanding the actual worth of a savings bond at different points in time can be tricky. That’s where our Series EE Bonds Maturity Calculator comes in handy.
This calculator allows you to quickly determine the current value of your Series EE bonds, including interest accrued and final maturity value. Whether you have a $50, $100, or $500 savings bond, this tool will help you estimate your earnings based on the issue date and interest rates.
Using our calculator is simple. Follow these steps:
This tool is especially useful if you're wondering:
Our calculator makes it easy to find these answers without manual calculations.
Series EE bonds earn interest monthly and compound semiannually. The U.S. Treasury guarantees that the bond will double in value after 20 years. If left unredeemed, they can continue earning interest for up to 30 years.
Here’s a breakdown of Series EE bond growth over time:
| Bond Denomination | Value After 10 Years | Value After 20 Years | Value After 30 Years |
|---|---|---|---|
| $50 | ~$66 | $100 | ~$132 |
| $100 | ~$133 | $200 | ~$265 |
| $500 | ~$666 | $1,000 | ~$1,325 |
| $1,000 | ~$1,330 | $2,000 | ~$2,650 |
These values assume the bonds remain untouched and continue to accrue interest under current Treasury rates.
The best time to cash in Series EE bonds depends on your financial goals:
To manually calculate your bond’s value, you can use this formula:
FV = P × (1 + r/n)^(nt)
Where:
For example, if you purchased a $100 EE bond in 2000 and want to calculate its value after 30 years at an estimated 3.5% interest rate:
FV = 50 × (1 + 0.035/2)^(2×30) = ~$265
Our Series EE Bonds Maturity Calculator simplifies this process by automatically applying the correct interest rates for each bond issue year.
Series EE savings bonds are a great investment for long-term savings, especially with their guaranteed 2x value after 20 years. If you’re wondering how much a $100 savings bond is worth after 30 years, or when to cash in your EE bonds, our Series EE Bonds Maturity Calculator provides accurate estimates instantly.
Before redeeming your bonds, consider tax implications and whether holding them longer could yield additional interest. Use our calculator today to plan your financial future wisely!
A $100 Series EE bond issued 30 years ago is worth approximately $265 today, depending on interest rates.
Yes, the U.S. Treasury guarantees that Series EE bonds will double in value after 20 years.
You can use our Series EE Bonds Maturity Calculator or check your bond’s serial number on the U.S. Treasury website.
Patriot Bonds are Series EE bonds issued after 9/11 to support national security efforts. Their value is calculated similarly to regular EE bonds.
To maximize returns, wait until at least 20 years. For full interest earnings, hold for 30 years before redeeming.
Yes, but if you redeem them before 5 years, you lose 3 months of interest as a penalty.