I-Bond Calculator

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I-Bond fixed rate history

The I-Bond fixed rate is the durable part of the return — it stays with your bond for 30 years. The composite rate you see advertised resets with inflation every six months, so the fixed rate is what to watch. Below it's plotted against the TIPS 5-year real yield (after tax) since 2003.

I-Bond Fixed Rate vs TIPS 5Y Real Yield (after-tax, 2003–present)

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I-Bond fixed rate TIPS 5Y after-tax real yield
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