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 TIPS real yields since 2003, all pre-tax. Pick a TIPS maturity to compare against, and see both the daily market yield and the yield actually locked in at each TIPS auction.

TIPS maturity

I‑Bond Fixed Rate vs TIPS 10Y Real Yield (pre-tax, 2003–present)

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I‑Bond fixed rate TIPS 10Y real yield TIPS 10Y auction yield

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