Savings Bond Calculator: Value at Maturity
Work out what a savings bond is worth once it has been held and left to compound — the value waiting at maturity.
Adjust the inputs and select Calculate for a full breakdown.
Compare Common Scenarios
How the numbers shift across typical situations for this calculator:
| Scenario | Maturity value | Interest earned |
|---|---|---|
| $5k · 4% · 30yr | $16,216.99 | $11,216.99 |
| $1k · 3.5% · 20yr | $1,989.79 | $989.79 |
| $10k · 5% · 25yr | $33,863.55 | $23,863.55 |
| $2.5k · 4.5% · 15yr | $4,838.21 | $2,338.21 |
How This Calculator Works
Enter the amount paid for the bond, its annual rate, and how many years it is held. The calculator compounds the purchase amount each year at the fixed rate and reports the maturity value together with the interest earned along the way.
The Formula
Future Value of a Lump Sum
PV = present value, r = annual rate, n = number of years
Worked Example
A $5,000 savings bond earning 4% a year and held for 30 years grows to about $16,217. The interest earned — roughly $11,217 — exceeds the original purchase, the reward for a very long holding period.
Key Insight
Savings bonds reward patience: they are designed to be held for many years, and stopping early forfeits much of the compounding. Their safety is the trade-off for returns that rarely beat riskier long-term investments.
Frequently Asked Questions
How does a savings bond grow?
Interest accrues and compounds over the years the bond is held, raising its redemption value. The longer it is held, the larger the share of value that is interest.
What rate should I enter?
Use the rate that applies to your bond. Some savings bonds combine a fixed rate with an inflation component; this calculator applies a single steady rate as an estimate.
Are savings bonds safe?
Government savings bonds are considered very low risk. The trade-off is a return that is usually modest compared with riskier long-term investments.
Can I redeem a savings bond early?
Often yes, after a minimum holding period, though redeeming early can forfeit some interest and cuts short the compounding the bond is designed for.
Is savings bond interest taxable?
Interest is generally subject to federal income tax, though it may be exempt from state tax and, in some cases, deferred until redemption. Confirm the rules for your bond.
Related Calculators
Data Sources & Benchmarks
This calculator draws on 2 independent, dated sources. The starting values for annual rate are taken from the benchmarks below and refresh whenever the snapshots are updated.
Methodology & Review
The maturity value compounds the purchase amount annually at a fixed rate. Real savings bond rates can have fixed and inflation-linked components; this model applies one steady rate.
Written by Ugo Candido · Last updated May 17, 2026.