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If you use the money for qualified higher education expenses, you may not have to pay tax on the earnings.

You choose whether to report each year's earnings or wait to report all the earnings when you get the money for the bond. To see what your paper Series I bond is worth, use our Savings Bond Calculator.įederal estate, gift, and excise taxes state estate or inheritance taxes: Yes If you have a Series I electronic bond, you can see what it is worth in your TreasuryDirect account. How do I find the value of my Series I savings bond? See Cash in (redeem) an EE or I savings bond. For example, if you cash in the bond after 18 months, you get the first 15 months of interest. However, if you cash in the bond in less than 5 years, you lose the last 3 months of interest. You can cash in (redeem) your I bond after 12 months. Paper I bonds: You must submit the paper bond to cash it. With a Series I savings bond, you wait to get all the money until you cash in the bond.Įlectronic I bonds: We pay automatically when the bond matures (if you haven’t cashed it before then).

Separate tables for fixed rates, inflation rates, combined ratesģ0 years (unless you cash it before then).

Matrix showing fixed rates, inflation rates, and combined rates together (PDF).

We list interest rates for all I bonds ever issued in 2 ways: Thus, your bond's value grows both because it earns interest and because the principal value gets bigger. The new principal is the sum of the prior principal and the interest earned in the previous 6 months. Interest is compounded semiannually, meaning that every 6 months we apply the bond’s interest rate to a new principal value. You can buy paper I bonds with your IRS tax refund. You can buy electronic I bonds in your TreasuryDirect account.