I-Bond Calculator

Should you buy, hold, or redeem?

All I-Bond purchase eras

Treasury sets a new fixed rate each May and November. I-Bonds you bought in the same era share the same fixed rate for life. Find your era to see whether to hold or redeem.

Purchase era Fixed rate Analysis
Nov 2025–Oct 2026 0.90% Analyze →
May 2025–Oct 2025 1.10% Analyze →
Nov 2024–Apr 2025 1.20% Analyze →
Nov 2023–Oct 2024 1.30% Analyze →
May 2023–Oct 2023 0.90% Analyze →
Nov 2022–Apr 2023 0.40% Analyze →
May 2020–Oct 2022 0.00% Analyze →
Nov 2019–Apr 2020 0.20% Analyze →
Nov 2018–Oct 2019 0.50% Analyze →
May 2018–Oct 2018 0.30% Analyze →
Nov 2017–Apr 2018 0.10% Analyze →
Nov 2016–Oct 2017 0.00% Analyze →
Nov 2015–Oct 2016 0.10% Analyze →
Nov 2014–Oct 2015 0.00% Analyze →
May 2014–Oct 2014 0.10% Analyze →
Nov 2013–Apr 2014 0.20% Analyze →
Nov 2010–Oct 2013 0.00% Analyze →
May 2010–Oct 2010 0.20% Analyze →
Nov 2009–Apr 2010 0.30% Analyze →
May 2009–Oct 2009 0.10% Analyze →
Nov 2008–Apr 2009 0.70% Analyze →
May 2008–Oct 2008 0.00% Analyze →
Nov 2007–Apr 2008 1.20% Analyze →
May 2007–Oct 2007 1.30% Analyze →
May 2006–Apr 2007 1.40% Analyze →
Nov 2005–Apr 2006 1.00% Analyze →
May 2005–Oct 2005 1.20% Analyze →
May 2004–Apr 2005 1.00% Analyze →
May 2003–Apr 2004 1.10% Analyze →
Nov 2002–Apr 2003 1.60% Analyze →
Nov 2001–Oct 2002 2.00% Analyze →
May 2001–Oct 2001 3.00% Analyze →
Nov 2000–Apr 2001 3.40% Analyze →
May 2000–Oct 2000 3.60% Analyze →
Nov 1999–Apr 2000 3.40% Analyze →
Nov 1998–Oct 1999 3.30% Analyze →
Sep 1998–Oct 1998 3.40% Analyze →