Series EE Savings Bond Calculator

The defining promise of a Series EE bond is that the Treasury guarantees it will be worth at least double its face value once it has been held for 20 years, no matter where interest rates wander in the meantime. Estimating that trajectory helps with long-range planning and makes it easier to weigh an EE bond against a Series I bond, a comparison that matters for anyone weighing a purchase in 2026.

The math behind an EE bond is refreshingly simple. The face value doubles at the 20-year mark, and the stated interest rate along the way does not change that outcome. Bonds bought in 2026 carry a fixed rate of 0.10% for the first 20 years, with a variable rate taking over afterward. This calculator projects value on the strength of the guaranteed doubling, assuming the bond is held the full 20-year term needed to lock in that maximum guaranteed growth.

The low fixed rate often misleads people into thinking the bond barely grows; the doubling, not the headline rate, is where the value comes from, and the bond is engineered to hit twice its face value precisely at year 20. A second point worth tracking: EE bonds issued after April 30, 2005 stop earning interest once they reach 30 years, so there is no benefit to holding them indefinitely past that ceiling.