Project the growth of your inflation-protected US Treasury securities.
$10k annual limit per SSN
I-Bonds are non-marketable US Treasury securities that protect your purchasing power from inflation.
Estimated Net Value
Total Interest
$4,283
Early Penalty
-$0
Interest from US Savings Bonds is exempt from State and Local taxes. Federal tax is deferred until you cash the bond or it matures (30 years).
Series I Savings Bonds (I-Bonds) are a low-risk savings product from the US Treasury. They are unique because they earn interest based on both a fixed rate and a variable inflation rate.
The total interest rate for an I-Bond is the "Composite Rate." It is adjusted every six months (in May and November) based on changes in the Consumer Price Index (CPI-U).
You must hold a savings bond for at least one year. If you cash it in before **5 years**, you lose the last three months of interest as a penalty. After 5 years, there is no penalty.
US Savings Bonds offer two significant tax advantages:
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