Savings bond maturity calculator

When any EE, I, E, HH, H or Patriot bond stops earning interest, how long it has left, and the bonds reaching final maturity in the next two years.

United States Savings Bond Values & GuidanceUpdated October 27, 2026Values current through October 2026

Every savings bond stops earning interest on a date fixed by its series and issue month. Series EE and I bonds earn for 30 years; Series HH earned for 20; old Series E bonds for 30 or 40. Pick the series, enter the issue date printed on the bond, and the calculator shows the final maturity date, whether the bond is still earning, how long it has left, and for EE bonds the earlier doubling or original-maturity date.

Find a bond's maturity date

• Series EE and Series I bonds earn interest for 30 years from their issue month, then stop (TreasuryDirect, TreasuryDirect).
• As of October 2026, EE bonds issued October 1996 or earlier have stopped earning; EE bonds issued November 1996 or later, and every I bond, are still earning. The first I bonds (September 1998) reach final maturity in September 2028.
• EE bonds issued May 1995 through May 2003 are guaranteed to double by 17 years, and EE bonds issued June 2003 or later at 20 years (TreasuryDirect: 1995-1997 EE, TreasuryDirect: 1997-2005 EE, TreasuryDirect: EE since 2005).
• Every Series E bond, Series H bond and Savings Note has reached final maturity (TreasuryDirect), and so has every Series HH bond (TreasuryDirect).
• A matured bond stays redeemable, but it earns nothing more, and its deferred interest is reportable for federal income tax for the year it matured or was cashed, whichever came first (IRS Publication 550).

Bonds that stop earning in the next 24 months

These issue months reach final maturity between November 2026 and October 2028. After that month a bond earns nothing more. The value column is the official Treasury redemption value of a $100 bond for October 2026 (scale it for other denominations: a $50 bond is half); each figure links to that issue month in the value tables.

Source: terms from TreasuryDirect and TreasuryDirect; values from the Treasury savings bond value files.

Stopped earning in the last 12 months

Bonds from these issue months have already reached final maturity and no longer earn interest:

How long each series takes to mature

The term runs from the issue month printed on the bond. The last column shows when the last bonds of each range stopped (or will stop) earning.

Series E terms, Series H terms, Savings Notes and Patriot Bonds: TreasuryDirect's historical and retired bonds page. HH issue dates: TreasuryDirect: other savings bonds. Older Series A through D, F, G, J and K bonds have also stopped earning (TreasuryDirect).

EE bond maturity date by issue era

Every EE bond reaches final maturity 30 years after its issue month. Its first milestone depends on when it was issued:

EE bonds reaching their 20-year doubling date soon

EE bonds issued June 2003 or later are guaranteed to be worth at least double their purchase price at 20 years: a $100 paper EE bond, which cost $50, is worth at least $100. If a bond has not doubled by then, Treasury makes a one-time adjustment. For bonds issued May 2005 or later, Treasury may change the rate or how the bond earns for its last 10 years, and must do so before the bond is 20 years old (TreasuryDirect). The bonds that reach 20 years in the next 24 months, with today's value of a $100 paper bond:

Full EE rules and the status of every issue year: EE bond maturity.

Original maturity vs final maturity

Final maturity is the date a bond stops earning interest for good: 30 years for EE and I bonds, 20 for HH bonds. Original maturity is an earlier EE milestone that does not stop the bond earning. For EE bonds issued 1980 through April 1995 it was the end of the original guaranteed-rate period, 8 to 18 years depending on the issue date (TreasuryDirect). For EE bonds issued May 1995 through April 2005 it is the 17- or 20-year date by which Treasury guarantees the bond is worth at least double its purchase price (TreasuryDirect, TreasuryDirect). EE bonds issued May 2005 or later carry the same 20-year doubling guarantee (TreasuryDirect). I bonds have no original maturity or doubling date; their rate resets every 6 months (I bond rates).

Two earlier dates matter for EE and I bonds: a bond cannot be cashed in its first 12 months, and one cashed before 5 years gives up the last 3 months of interest (TreasuryDirect, TreasuryDirect).

After final maturity: why matured bonds are usually cashed

• It earns nothing more. A paper bond past final maturity is "no longer increasing in value and you may want to cash it," in TreasuryDirect's words (TreasuryDirect).
• The interest is taxable for the maturity year. Owners who defer reporting savings bond interest report it for the year they cash the bond or the year it matures, whichever is earlier (IRS Publication 550; TreasuryDirect says the same for Patriot Bonds). Holding a matured bond does not postpone the tax. Interest is exempt from state and local income tax (TreasuryDirect).
• Electronic bonds are paid automatically when they mature; the matured-bond question is about paper bonds (TreasuryDirect, TreasuryDirect).
• It can still be cashed. TreasuryDirect gives cashing instructions for matured bonds of every series, back to the Series A bonds of 1935 (TreasuryDirect, TreasuryDirect).

Next steps: how to cash savings bonds · matured savings bonds · what the bond is worth · how savings bonds are taxed · HH bonds.

Frequently asked questions

Maturity dates are computed from each series' term as published by TreasuryDirect, counted from the issue month printed on the bond; statuses use the build date as today. Values are the U.S. Treasury's published redemption figures. This site is independent of the Treasury and is not investment, tax, or legal advice.