I-Bond Calculator
Calculate your I-Bond returns based on current rates and holding period.
Current I-Bond Rates (Nov 2025 - Apr 2026)
Composite Rate
4.03%
Fixed Rate
0.9%
Inflation Rate
1.56%
Your I-Bond Purchase
$
Annual limit: $10,000 per person
1 year (min)5 years30 years (max)
Projected Value
Value After 5 Years
$12,208
Interest Earned
+$2,208
Important Notes
- • Must hold for minimum 12 months
- • Fixed rate is locked at purchase
- • Inflation rate adjusts every 6 months
- • State & local tax exempt
- • Federal tax deferred until redemption