Keep the savings-bond inventory private and advisory-free
The calculator cannot authenticate a bond, identify a beneficiary, recover an account, or determine estate ownership. Do not store TreasuryDirect credentials, serial numbers, Social Security numbers, or claim documents. Official Treasury records control value and status.
Retain dated exports or screenshots securely and seek Treasury or qualified tax and estate assistance for redemption, reissue, inheritance, or reporting. This page provides educational inventory arithmetic only, not an official valuation engine, account service, redemption recommendation, tax calculation, ownership opinion, or legal advice.
Reconcile savings-bond principal, interest, and redemption-age bands
For each line, compare issue amount or declared basis with copied current redemption value and compute the difference as accumulated interest for inventory purposes. Group bonds by under-one-year, one-to-five-year, five-year-or-older, and matured status when those bands help review redemption restrictions. The actual issue-date rules and penalties remain Treasury's domain.
Sum copied values at one common valuation month. Mixing January and August values produces a total that never existed on one date. Flag matured bonds because they no longer earn interest, and flag near-term dates for review. The inventory can show a five-year redemption band, but it does not determine whether a specific bond loses the latest three months of interest or calculate the amount.
Translate a copied historical bond value into broad U.S. purchasing power with the inflation calculator while preserving both valuation and CPI dates.
Obtain each savings bond value from the correct Treasury source
TreasuryDirect's public calculator prices paper Series EE, E, and I bonds and savings notes from series, denomination, issue date, and valuation month. Electronic savings-bond values belong in the signed-in TreasuryDirect account. Copy the official current value, accrued interest, next accrual date, final maturity date, and valuation date rather than asking this page to recreate Treasury's rate history.
Do not enter a serial number into an untrusted site. The local inventory does not need it and does not prove ownership. Record series and issue month accurately; an EE bond and I bond with the same face amount follow different terms. Treasury warns about scams claiming birth-certificate numbers unlock bonds, so valuation should begin only from known instruments and official channels.
For a generic fixed-rate accumulation rather than official bond accrual, use the future value calculator and label its yield as an assumption.
Distinguish I-bond composite rates from inventory growth
I bonds combine a fixed rate with a semiannual inflation rate, and the composite rate applied to a bond changes on its own six-month cycle. EE bond guarantees and rates follow different issue-date rules. A current headline I-bond rate is not the historical rate for every bond in the inventory and should not be applied to recreate prior accrual.
Treasury values already incorporate the applicable rules, making copied official values the defensible input. Redemption decisions can involve taxes, penalties, emergency needs, future rates, and education exclusions. The page does not compare those choices or calculate federal and state treatment. A higher copied value is a valuation fact, not a sell recommendation.
A one-deposit certificate yield comparison belongs in the APY calculator, which is not governed by Treasury savings-bond redemption rules.