I‑Bond Calculator

Should you buy, hold, or redeem?

Should you cash in the I‑Bonds you own?

Find the era you bought in below. We compare holding it against redeeming for today's I‑Bond or TIPS - after taxes and the early-redemption penalty.

Best day to redeem The 1st of any month
By era By month

Your I‑Bonds by purchase era

Comparing historical fixed rates against today's TIPS real yields. Click a row to analyze.

Issued Fixed Rate Age Penalty vs TIPS Verdict