Updated August 2026
Series EE bonds have been sold since January 1980 — paper EE bonds were bought for half their face value (a $100 bond cost $50), while electronic EE bonds are bought at face value. Enter your bond's denomination and issue date in the calculator to see exactly what it's worth this month, straight from the Treasury's redemption tables.
Every EE bond issued since June 2003 is guaranteed to double its purchase price at 20 years — the Treasury makes a one-time adjustment if interest alone didn't get it there. That works out to about 3.5% a year if you hold to the 20-year mark, usually far more than the bond's stated fixed rate. Cashing an EE bond in year 19 can therefore leave serious money on the table; our calculator's month-by-month values make the jump at the 20-year adjustment easy to see.
Every EE bond issued more than 30 years ago has already stopped earning interest. If you have bonds from the 1980s or early 1990s, check them today — their value is frozen and inflation is eating it. Add them to the inventory and matured bonds are flagged automatically.
EE bonds have been through more than one interest-rate regime since 1980 — early vintages carried variable rates with a guaranteed minimum, while bonds issued from May 2005 onward earn a single fixed rate set at purchase and held for the bond's life. You don't need to know which regime your bond falls under: the Treasury's published redemption tables already bake in whichever rules applied to that issue month, and this calculator reads those tables directly rather than trying to reconstruct the math.
Paper EE bonds haven't been sold since January 1, 2012 — since then, EE bonds are issued electronically only, through a TreasuryDirect account, and are bought at full face value rather than the old half-price paper structure. If you're holding a paper EE bond, it was issued sometime between January 1980 and December 2011. Electronic EE bonds bought after 2011 behave the same way for valuation purposes (fixed rate, 20-year doubling guarantee, 30-year final maturity) — the only difference is where the bond lives and how it was purchased.
EE bond interest compounds semiannually against a face-value-vs-purchase-price gap that changed by era, on top of the one-time 20-year doubling adjustment for bonds issued since June 2003. Trying to hand-calculate a bond's current value from its stated rate alone almost always misses the doubling adjustment, the early-redemption penalty, or a rate-era detail — which is exactly why the Treasury publishes month-by-month redemption tables instead of a formula. This calculator reads those official tables directly, so the number you get matches what a bank would actually pay.
Can I still buy a paper EE bond? No — new EE bonds are electronic-only, purchased through TreasuryDirect.
Is EE bond interest taxable? Yes, federally, in the year you cash the bond (or at final maturity if you never do) — see the tax guide for the details, including the education-expense exclusion.
What if my EE bond is lost or destroyed? It can still be replaced and redeemed — see how to cash old savings bonds for the replacement process.