Answering “How Do You Calculate the Value of a Savings Bond?” is no easy task as the rates fluctuate with the market and each type of savings bond has a different rate of return. Some of the options for affecting one of the rates of returns are whether investors own A, B, C, D, E, EE, F, G, H, HH, I, J and K savings bonds and when they are cashed in. The bonds have been issued in alphabetical progression since 1935.
For an easy way of calculating the value of a savings bond the US Treasury website can help. Simply enter the current date, the bond series, the denomination amount, the bond serial number, and the date of when the bond was issue and you should be able to get the estimated value of the savings bond.
Bonds that are issued half its face value will be worth the face value at maturity, while a bond that is issued at face value will double at the time of maturity. There can be additional growth if bonds are redeemed past their maturity date. Interest must then be calculated on a year-to-year basis.