I Bond Calculator Future Value

Welcome to our I Bond Calculator, designed to help you estimate the future value of your I Bonds investment. I Bonds are a type of savings bond issued by the U.S. Department of the Treasury, known for their inflation-adjusted returns.

Formula: The future value (FV) is calculated using the formula: ��=�×(1+�100)�FV=P×(1+100r​)t Where:

  • P is the principal amount,
  • r is the annual interest rate, and
  • t is the number of years.

How to Use:

  1. Enter the principal amount in the designated field.
  2. Input the annual interest rate.
  3. Specify the number of years for which you want to calculate the future value.
  4. Click the “Calculate” button to get the result.

Example: Suppose you invest $1,000 in an I Bond with an annual interest rate of 3% for 5 years. Using the calculator, the future value would be calculated as follows:

  • Principal Amount (�P): $1,000
  • Annual Interest Rate (�r): 3%
  • Number of Years (�t): 5



  1. What is the I Bond Calculator used for? The I Bond Calculator helps estimate the future value of an I Bond investment over a specified period.
  2. How often is the interest on I Bonds compounded? Interest on I Bonds is compounded semi-annually.
  3. Can I use the calculator for other types of bonds? This calculator is specifically designed for I Bonds; using it for other bonds may not provide accurate results.
  4. Is the calculated future value guaranteed? No, the calculated future value is an estimate based on the provided inputs.
  5. What happens if I redeem the I Bond before maturity? If you redeem the I Bond before five years, you will lose the last three months’ interest.
  6. Can I use the calculator for historical I Bond rates? No, the calculator is for projecting future values and does not consider historical rates.
  7. Are there any taxes on the calculated future value? Yes, I Bond interest is subject to federal income tax but exempt from state and local taxes.
  8. Can I calculate the future value for multiple I Bonds together? The calculator is designed for individual bonds; calculating multiple bonds should be done separately.
  9. What is the maximum limit for purchasing I Bonds? The annual purchase limit for I Bonds is $10,000 per Social Security Number.
  10. Is the calculator suitable for educational purposes? Yes, the I Bond Calculator is a valuable tool for educational purposes, helping users understand the potential future value of their investments.

Conclusion: Utilize our I Bond Calculator to make informed decisions about your investments. Understanding the future value of your I Bonds can contribute to effective financial planning. Take advantage of this tool and make the most out of your savings bonds investment.

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