Bond calculator free download - Bond Calculator, Mortgage Bond Calculator, Bond Yield Calculator, and many more programs. Enter to Search. Savings bond calculator. May 27, 2020 The 2.5.7 version of Savings for Mac is available as a free download on our website. The following versions: 1.4, 1.2 and 1.1 are the most frequently downloaded ones by the program users. This program's bundle is identified as com.savingsapp.Savings. This app can be installed on Mac OS X 10.6 or later. The application is included in Lifestyle.
Additional discussions and reviews of these Tools and calculators can be found in the discussion page (tab at top). Caution: Past performance does not guarantee future results.
- 10Life expectancy calculators
- 18Social Security
Backtesting
- Simba's backtesting spreadsheet, a Bogleheads community project. Acting as a reference for historical returns, and enabling the analysis of custom portfolios based on such historical data.
- Portfolio Visualizer, by forum member pvguy. For backtesting, Monte Carlo simulation, tactical asset allocation and optimization, and investment analysis.
- Portfolio Charts, by forum member Tyler9000. Historical data for popular portfolios and interactive calculators for studying your own personal asset allocation from different perspectives.
Bond calculators
Find out what your bonds are worth.
- Savings Bond Calculator (from the U.S. Department of Treasury, your tax dollars at work)
- US Savings I Bond Value and Interest Rate Calculator (from Savings-Bond-Advisor)
- Yield to Maturity (from Morningstar) - requires Morningstar membership
- The yield to maturity of a bond is the total return it will earn if held to maturity, assuming all interest is reinvested at that same rate.
- Bond yield calculator, from Money-Zine.com
Compare bond yields for different tax treatments: Boglehead tfb's Bond Fund Yield Calculator. Use this calculator for taxable-equivalent yields on savings accounts or CDs. See (below).
Broker check
Main article: Investment advisor
Those considering a business relationship with an investment adviser should perform due diligence to validate a financial adviser, broker, or investment firm's background credentials and complaints on file. The SEC and FINRA provide free tools to help consumers with this process.
Charitable organizations
From the IRS, Tax Exempt Organization Search is an on-line search tool that allows users to verify that an organization is tax exempt and check certain information about its federal tax status and filings. You may search for.
- Organizations eligible to receive tax-deductible contributions (Pub. 78 data),
- Organizations whose federal tax exemption was automatically revoked for not filing a Form 990-series return or notice for three consecutive years, or
- Form 990-N (e-Postcard) filers and filings.
College savings planner
- Analyzing 529 College Savings Plan Fees and Expenses, from the Financial Industry Regulatory Authority, Inc. Compare how fees and expenses can reduce returns. Enable browser cookies.
Credit report
- AnnualCreditReport.com, enable browser cookies
AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion - and is the only service authorized for this purpose. Under the Fair Credit Reporting Act (FCRA), you have the right to obtain one free copy of your credit report from each of the three major credit bureaus every 12 months.
IRA
Inflation data
- Federal Reserve Economic Data (FRED), from the Federal Reserve Bank of St. Louis. 39,000 economic time series from 38 sources. Download, graph, and track economic data. Downloadable tools, such an iPhone/iPad app and an Excel Add-In are available.
Insurance for deposit accounts
Calculate insurance coverage for a group of deposit accounts.
- EDIE, the Electronic Deposit Insurance Estimator, from the Federal Deposit Insurance Corporation (FDIC). Use for qualified banks.
- E-Calculator, the Electronic Share Insurance Calculator, from the National Credit Union Administration (NCUA). Use for members of the NCUA.
Life expectancy calculators
Lifestyle calculators
These calculators use historical models to predict your life expectancy based on your lifestyle and family history.
- Living to 100 Life Expectancy Calculator (enable browser cookies)
IRS life expectancy tables
The IRS also has a view of your life expectancy, which is used solely for determining the Required Minimum Distribution of your IRA. Your age, your spouse's age, and beneficiary status are taken into account.
This Google Docs spreadsheet will calculate your life expectancy (or distribution period) based on Tables I, II, or III in IRS Publication 590 (IRAs):
- Spreadsheet calculator: download as xls, ods, pdf
- Life Expectancy Tables from IRS Publication 590 (view in browser)
Loan and mortgage calculators
A mortgage is a type of loan dedicated for financing the purchase of real estate. You can sometimes find mortgage calculators grouped with other types of loan calculators. The links below contain both dedicated mortgage calculators as well as calculators used for other types of loans.
Key loan parameters are principal, interest rate, periodic payment, and duration. Mortgage calculators can also include parameters such as rate of inflation and taxation. 'Rent versus buy' decisions are specialized forms of mortgage calculators.
- On its default setting, note that rent increases 3% per year while homes appreciate at 1% per year. A suggested assumption is for both to increase at the rate of inflation.
- Mortgage Calculators and Financial Calculators (from HSH® Associates, Financial Publishers)
- Contains numerous mortgage and financial calculators both online and download versions (email registration required for download). Includes various loan calculators (amortization, payments, etc.), refinancing, rent vs. buy, PMI with amortization.
- Mortgage Calculators (from the Mortgage Professor)
- An extensive number of mortgage calculators. With one or two mortgages, there's a calculator for: Debt consolidation, extra payments (prepayment), refinancing.
- Also: When to terminate Private Mortgage Insurance, housing affordability, Adjustable Rate Mortgages with / without negative amortization, comparison of fixed-rate versus Adjustable Rate Mortgages (ARMs), points and fees, downpayments, terms, annual percentage rate (APR)
- Caveat - Some calculators only work with Internet Explorer.
- Mortgage Calculators (from http://www.dinkytown.net)
- Contains mortgage calculators for just about anything.
- Be sure to check Financial Calculators from DinkyTown.net. There are (claimed to be) 300 financial calculators that should cover just about anything financial.
- Mortgage Real Cost Calculator (from http://www.crystalbull.com)
- This calculator enables you to accurately calculate the tax savings of the mortgage.
- Compare mortgage terms (from the Washington Post)
- Use this calculator to determine the total cost in today's dollars of various mortgage alternatives taking into account your opportunity cost of money.
- A calculator that uses slider bars to graphically show the principal vs. interest breakdown over the period of the mortgage.
- Excel Loan Amortization Application Spreadsheet (from Microsoft)
- Free from Microsoft, for Excel 97 or later. To download, use Internet Explorer with cookies enabled (Firefox will not work). Microsoft will install an ActiveX control. The download will open a new spreadsheet in Excel.
- When you put in the interest rate, points, term, etc. it shows a monthly tally of principle and interest payments. You can then compare what you are paying now with the new loan. It will also show total interest for the term of the loan. For any monthly payment you can enter a lump sum payment to see what happens to the total interest as a result of accelerating your pay schedule.
Mutual fund fee calculators
Fees and expenses are an important consideration in selecting a mutual fund because these charges lower your returns. Compare the fees and expenses of different mutual funds before you invest.
- Effect of Expenses on a Portfolio, to see how investment expenses affect a portfolio over a long investment time horizon.
- Fund Analyzer (from FINRA - Financial Industry Regulatory Authority)
- The Fund Analyzer offers information and analysis on over 18,000 mutual funds, Exchange Traded Funds (ETFs) and Exchange Traded Notes (ETNs). Estimate the value of the funds and impact of fees and expenses on your investment. Look up applicable fees and available discounts for funds. Enable browser cookies to use. Features:
- Real-time online comparison of up to 3 funds. (Use different calculator if the fund is not listed.)
- Expense analysis: Slider bars allow variation of your investment, return and period (duration held).
- Fee/Discount report: View a breakdown of the fund's expenses. If the information is not provided, the field is blank.
- You must accept the Terms and Conditions when you first enter the site (check the box and hit OK).
- Google search for mutual fund fee calculators, for those who want to go further
- Mutual Fund Expense Calculator (from Dinkytown.net)
- An easy to use calculator that graphically shows the impact of fund expenses on your final balance.
- Mutual fund fees calculator (from Bankrate.com)
- Identical to the calculator from Dinkytown.net
- Mutual Fund Fee Impact Calculator (from Investor Education Fund)
- A Canadian mutual fund expense calculator. It will also work with US equities. Referenced from Finiki, the Bogleheads' affiliated Canadian wiki site.
- Mutual Fund Fee Calculator (from AARP Financial)
- The AARP (American Association of Retired Persons) is a popular web site for retirement information. No calculator, just links to calculators from the SEC and FINRA, already mentioned above.
- SEC Mutual Fund Cost Calculator (from the Securities and Exchange Commission)
Download Calculator For Mac
- The basics. It's somewhat lacking from what you would find elsewhere.
Personal finance toolbox
This spreadsheet contains various calculations applicable to personal finance, including
- Tax planning, including many common credits and extra taxes, for both federal and state taxes
- Traditional vs. Roth vs. non-deductible IRA vs. taxable investment choice
- Social Security benefit estimates
- 'HDHP plus HSA' vs. 'non-HDHP and no HSA' comparison
- Lump sum vs. pension
and others. The first tab in the spreadsheet, Instructions, has more detail about calculations available, and a 'quick start' method for the tax calculations.
A notable feature is the marginal tax rate chart it can generate for any of the tax calculation inputs. This has been used for various Bogleheads' wiki articles.
MMM Case Study Spreadsheet updates is a forum thread in which version changes are posted.
To open the spreadsheet directly in Google docs (from which it can be downloaded into Excel form, where it works best), use the links below.
To open the spreadsheet directly in Google docs (from which it can be downloaded into Excel form, where it works best), use the links below.
MacOS Transformation Pack 5 will give you an all-new macOS user experience such as theme, wallpapers, system resources, and new macOS features combined altogether in a single package.macOS Transformation Pack simply will transform your Windows Operating System in an elegant manner, basically installing a new skin. Chrome 46.74% Hits: 14,885Firefox 22.94% Hits: 7,305Edge 11.55% Hits: 3,677Opera 7.71% Hits: 2,457IE 3.28% Hits: 1,045Safari 2.14% Hits: 681Waterfox 0.99% Hits: 315QQBrowser 0.79% Hits: 253Maxthon 0.78% Hits: 249Yandex Browser 0.59% Hits: 187PaleMoon 0.48% Hits: 152Sogou Explorer 0.42% Hits: 133Android WebView 0.29% Hits: 92UC Browser 0.26% Hits: 82Opera Mobile 0.16% Hits: 50AliApp 0.15% Hits: 49Headless Chrome 0.08% Hits: 27Iron 0.07% Hits: 21Iceweasel 0.06% Hits: 18liebao 0.06% Hits: 18. Mac os x transformation pack for windows xp free download.
2018 taxes version: 2018 Case Study Spreadsheet
2019 taxes version (and still the default): 2019 Case Study Spreadsheet
2020 taxes version: 2020 Case Study Spreadsheet
Portfolio tools
You can use various utilities to design and manage portfolios that span multiple accounts. Most tools cannot automatically compose your ideal portfolio, but you can use the tools to enter two or three models that you composed, and then you can compare and contrast the results, looking in particular at the blended expense ratios and the totals of each asset class.
- Forum member contributions
- Using a Spreadsheet to Maintain a Portfolio: a wiki page with tips and spreadsheets for maintaining your portfolio
- Optimal lazy portfolio rebalancing calculator: rebalance optimally without making any 'backwards' transactions - from forum member Albert Mao (the_one_smiley)
- The Retiree Portfolio Model, an Excel spreadsheet created by forum member BigFoot48, models virtually every aspect of a retiree's financial life.
- Taxable and IRA accounts earnings and withdrawals
- Income from work, pensions and Social Security
- Expenses including future changes
- Inheritances, asset sales and large purchases
- Federal and state income taxes using current rates, brackets and other factors
- Required Minimum Distributions forecasts from owned and inherited IRAs
- Roth conversion modeling with tax bracket impact with instant analysis of results
- Alternative Social Security benefits instant analysis
- All of these are combined with a selected asset allocation and earnings rates to create a complete picture of retirement life for up to 40 years. The spreadsheet and additional details can be found in this Bogleheads® forum topic: Retiree Portfolio Model.
- Portfolio Toolbox, by forum member Seann. For backtesting; sectors returns in a chart similar to the Callan periodic table of investment returns. A retirement planner and Social Security calculator are also provided.
- Portfolio Visualizer, by forum member pvguy. For backtesting, Monte Carlo simulation, tactical asset allocation and optimization, and investment analysis.
- Morningstar - Requires a free subscription to use.
- Morningstar Instant X-Ray is especially useful for breaking down a portfolio into asset allocations and style boxes. It essentially a pre-built spreadsheet; enter your portfolio and the X-Ray will show its current allocation and other statistics.
- Use a ticker symbol of
CASH$
(as shown) to enter cash. - Asset classes that are not part of a stock style box or bond style box will not appear in the Stock Style Diversification section of the report. The asset class will, however, appear in the Asset Allocation section of the report. Cash is one example, commodities are another. For example 'GLD' (SPDR® Gold) will be listed as 'other' in the Asset Allocation section and will not appear in the Stock Style Diversification section.
- Use a ticker symbol of
- Morningstar Instant X-Ray is especially useful for breaking down a portfolio into asset allocations and style boxes. It essentially a pre-built spreadsheet; enter your portfolio and the X-Ray will show its current allocation and other statistics.
- Fidelity
- Guided Portfolio Summary, free portfolio analysis for Fidelity clients, login required. Instructions can be found in this Bogleheads® forum post: Re: How to use Vanguard Portfolio Watch for rebalancing
- T. Rowe Price:
- Investment Planning Tools and Calculators. You can sign up for a free online account and have access to Morningstar tools.
- Vanguard:
- Get a mutual fund recommendation: An easy-to-use tool which will help you select a three-fund portfolio. See: Need an investment recommendation?, then select Answer a few questions for a recommendation.
- Vanguard Portfolio Watch A tool in the Vanguard website for Vanguard clients that breaks down portfolio into asset classes; see main article for more information and caveats/limitations of the tool.
RMD (Required Minimum Distribution) calculators
The RMD (Required Minimum Distribution) calculators should be checked against the IRS Life Expectancy Tables to be sure that the appropriate table is to be used in your situation.Additional comments in the discussion page (tab at top).
- Required Minimum Distribution (RMD) Calculator - MainStay Investments
Retirement calculators
- See: Retirement calculators and spending
- See: Retiree Portfolio Model, described in the Portfolio tools section above.
Roth IRA conversion calculators
![Savings Bond Calculator For Mac Os X Savings Bond Calculator For Mac Os X](/uploads/1/2/6/0/126011605/670327117.jpg)
- Retiree Portfolio Model, described in the Portfolio tools section above, estimates the financial impact of a Roth IRA conversion on your portfolio, income taxes, RMD and other factors.
- Should You Convert to a Roth IRA?, by Fidelity.com
- Estimates the potential long-term tax and financial impact of converting to a Roth IRA, based on information you provide and a number of important tax and growth assumptions.
From EmergDoc's Roth Conversion Thread in the forum.
- Should I Convert To A Roth IRA?, by CalcXML
- This web site sells financial calculators for use in web sites. There's no description of how the results are calculated, use with caution.
- Roth Calculator, by RothRetirement.com
- Roth IRA Conversion Calculator, by Vanguard
Social Security
Security: member contributions contains a list of calculators submitted by Bogleheads forum members.
Social Security Administration
The Social Security Administration maintains several benefit calculators to estimate your potential benefit amounts using different retirement dates and levels of future earnings. In general,
- If your entry for current earnings is greater than zero, it will be used to estimate annual future earnings.
- All earnings are indexed to the national average wage index (AWI). Future earnings are indexed with estimated increases in the AWI. Earnings are indexed only to age 60 (two years prior to the first year of eligibility, 62); later earnings are used at face value. These increases are derived from the 'intermediate' assumptions in the OASDI Trustees Report.
- Although Social Security documentation suggests that future benefits are increased with estimated cost-of-living adjustments (COLAs), the estimates from my Social Security, Retirement Estimator, and the default Detailed Calculator (AnyPIA) do not project benefit increases beyond the current year. AnyPIA does offer the following increased benefit options:
- Alternative I (optimistic) assumptions from the most recent OASDI Trustees Report.
- Alternative II (intermediate) assumptions from the Trustees Report.
- Alternative III (pessimistic) assumptions from the Trustees Report.
- No benefit increases after the last known increase (default).
- User-specified benefit increase for each projected year.
- The closer you are to retirement, with a longer work history and fewer future changes, the more accurate your estimates will be.
Features | Quick Calculator1 | Online Calculator2 | Retirement Estimator3 | Detailed Calculator (AnyPIA) 4 |
---|---|---|---|---|
Access | online | online | online | download |
Past earnings | estimated, but annual entries in past dollars optional; indexed earnings not shown | annual entries in past dollars; indexed earnings not shown | accesses actual Social Security record; indexed earnings not shown | annual entries in past dollars; indexed earnings are shown |
Future earnings | average annual entry in today's dollars; indexed earnings not shown | average annual entry in today's dollars; indexed earnings not shown | multiple filing ages and average annual entries in today's dollars; indexed earnings not shown | annual entries in today's dollars; indexed earnings are shown |
Saved Cases | no | no | no | yes |
Accuracy | rough | better | better; recommended by Social Security | best; recommended by Social Security |
Survivor or disability estimate | yes | no | no | yes |
Windfall Elimination Provision (WEP) | no | WEP Version available | no | yes |
Notes:
1 Estimates past earnings from current with a national average wage index, modified by a relative growth factor. Past earnings can be adjusted by changing the growth factor or editing the annual numbers, but you cannot project future earning changes.
2 Javascript must be enabled.
3 You must currently have enough credits to qualify for benefits. You cannot be currently receiving benefits on your own Social Security record, be waiting for a decision about your Social Security or Medicare application, or be 62 or older and receiving benefits on another Social Security record.
You can enter multiple ages to stop work with the 'Add a New Estimate' button; future earnings will stop and benefits will start at that age. Benefit filing and stop-work ages cannot be entered separately, but future earnings can be entered as zero. If you enter a stop-work age of less than 62, benefits will be estimated starting at 62, the first year of eligibility. Examples of the new estimate input and output forms are shown below (click on the image for full size):
1 Estimates past earnings from current with a national average wage index, modified by a relative growth factor. Past earnings can be adjusted by changing the growth factor or editing the annual numbers, but you cannot project future earning changes.
2 Javascript must be enabled.
3 You must currently have enough credits to qualify for benefits. You cannot be currently receiving benefits on your own Social Security record, be waiting for a decision about your Social Security or Medicare application, or be 62 or older and receiving benefits on another Social Security record.
You can enter multiple ages to stop work with the 'Add a New Estimate' button; future earnings will stop and benefits will start at that age. Benefit filing and stop-work ages cannot be entered separately, but future earnings can be entered as zero. If you enter a stop-work age of less than 62, benefits will be estimated starting at 62, the first year of eligibility. Examples of the new estimate input and output forms are shown below (click on the image for full size):
4 Runs on the following operating systems: Windows 2000/XP/Vista/7/8/10 and Mac OS 10 (up to 10.6, but not later).
Stock/Fund charts
- Yahoo! Finance Charts - nice interface, but does not factor in dividend distributions as stockcharts.com are reported to do
- ClearStation - nice charts, also each stock/fund you chart displays news, user recommendations
- Also worth checking out Google Finance as they are making big strides at last
- Green Street Advisors has a chart of REIT prices vs. their fair value estimate
Tax returns
A Federal income tax spreadsheet calculator that will prepare the form 1040 and many of the supporting 1040 forms. The creator, Glenn Reeves, doesn't guarantee that they meet the formatting requirements of the IRS. He has been providing this model, updated yearly, since 1996.
An Excel spreadsheet providing a quick way to estimate federal and state taxes. Federal calculations include most credits and additional taxes, including ACA and IRMAA effects, and have been very accurate as estimates go. Adobe after effects for mac. State calculations include brackets but not all state tax laws.
Among the many web-based estimators, this one from mortgagecalculator.org seems the most comprehensive.
See US and state income tax calculator - Bogleheads.org for more discussion.
Taxable-equivalent yields
If an investment is taxable, the yield is after taxes are paid (not before). Use these calculators to find the yield that's equivalent to a tax-exempt investment.
- Boglehead tfb's Bond Fund Yield Calculator, (the full article with instructions)
- You can also use this calculator to compare against a bank savings account, which is a federal and state taxable fund. APY is equivalent to compound yield.
- Bond Calculator, taxable equivalent bond yields (from Morningstar, login required)
- Determine whether you’re better off investing in taxable or municipal bonds.
Treasury data
- Daily Treasury Real Yield Curve Rates - daily rates for 5/7/10/20 year TIPS
- Daily Treasury Rates - daily rates for 1/3/6 month, plus 1/2/3/5/10/20/30 year bonds
- St Louis Fed 10 yr TIPS yield - this is a graph from 2003 to present, from Federal Reserve Economic Data (FRED)at the Federal Reserve Bank of St. Louis. 39,000 economic time series from 38 sources. Download, graph, and track economic data. Downloadable tools, such an iPhone/iPad app and an Excel Add-In are available.
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Retrieved from 'https://www.bogleheads.org/w/index.php?title=Tools_and_calculators&oldid=69598'
To find what your bond is worth today:
- Click the 'Get Started' Link on the Savings Bond Calculator home page.
- Once open, choose the series and denomination of your bond from the series and denomination drop down boxes.
- Enter the issue date that is printed on the bond. Note: Enter two digit months (e.g. 01, 12) and four-digit years (e.g. 1985 or 2001). If you're not sure where to find the issue date or serial number of your bond, see our bond diagram.
- Click the 'Calculate' button.
To build an inventory of bonds:
- Repeat the above process for each of your bonds.
- The Calculator will add each new bond to the top of your inventory listing.
To find the value of bonds in past or future months:
If you'd like to see what your bonds were worth in the past or will be worth in the near future:
Mac Os X Download
- Change the 'Value as of' date at the top of the Calculator to the desired date.
- Click 'Update'.
- Your inventory will update to show the values of your bonds as of the date you enter.
- The Calculator can show you what your bonds were worth from January 1996 through the current rate period.
Not sure what data the Calculator is giving you?
If you have questions about any of the fields that are displayed, here are short descriptions of the fields displayed by the Calculator.
- Serial Number–The serial number can be found in the lower right corner of your savings bond. This information is not required, but is important for record-keeping purposes if your bonds are ever lost or destroyed.
- ‘Value as of’ Date–When you first open the Savings Bond Calculator, it shows what your bonds are worth today. If you want to see what they're worth in other months, you can change the 'Value as of' date. The Calculator can show what your bonds are worth in any month from January 1996 through the current rate period.
- Series–The series can be found in the upper right corner of your savings bond. This Calculator provides values for Series EE, I, and E savings bonds.
- Denomination–The face value as shown in the upper left corner of your bond.
- Issue Date–The date your bond was issued. It’s the month and year printed on the right side of your bond, below the Series.
- # Bonds–The number of bonds you’ve entered into this inventory.
- Total Price–The total money you paid to buy the bonds in this inventory.
- Total Interest–The combined amount of payable interest accumulated by the bonds listed in this inventory through the date listed in the ‘Value as of’ box.
- Total Value–The combined cash value of the bonds listed in this inventory as of the date in the ‘Value as of’ box. This is what you’d receive if you cashed all of these bonds.
- Year-to-Date Interest–The total amount of interest accumulated by the bonds in this inventory from January of the year listed in the ‘Value as of’ box through the date given.
- Issue Price–The money you paid to buy each bond in this inventory.
- Interest–The amount of interest each bond has accumulated from its Issue Date through the ‘Value as of’ date.
Note: If a bond was issued May 1997 or later and it’s cashed before it’s five years old, it’s subject to a three-month interest penalty. The interest shown here incorporates this penalty.
- Value–What each bond is worth as of the date given in the ‘Value as of’ field.
- Interest Rate–The interest rate each bond is earning in the date listed in the ‘Value as of’ field. We use this rate to calculate the interest that accumulates on the Next Accrual Date.
- Next Accrual Date–The first date after the date specified in the ‘Value as of’ box that each bond increases in value.
- Final Maturity Date–The date each bond stops earning interest.
- N/A–A bond’s current interest rate is not available. This means that
a) The bond has stopped earning interest;
or
b) We won’t know the rate the bond earns during the ‘Value as of’ date until the next rate period when new interest rates are announced;
or
c) The rate the bond earns can’t be retrieved from the database. - Note–Here are brief descriptions about special bond designations.
- Not Issued–You changed the ‘ Value As Of ’ date to a date before the bond was issued.
- Not Eligible for Payment–Bonds with issue dates of January 2003 or earlier can’t be cashed until they are at least six months old. Bonds with this designation can’t be cashed until they are at least 12 months old.
- P5–Bonds issued May 1997 or later that are less than five years old include a three-month interest penalty.
- Matured–This bond is MAtured and not earning interest. (used with Value as of dates for September 2004 and after; replaces ME and MN).
Want to save your inventory?
Now you can save your inventory so you can update your bond values quickly and easily. All you need to do is use your browser's built-in saving function. Click the “Save” button in the results area and then when the list appears, click “File” and 'Save As' and name your inventory. Make sure that you save your file as an 'HTML Only' file and click 'Save'. You've saved your file! If you'd like more detail, check out our Instructions for Saving Your Inventory Page.
Having problems loading your saved inventory file?
If you saved your inventory on the main Calculator screen and then attempt to reopen the file, you will get a page that has words on the left-hand side of the screen and you won’t immediately see your data.
Scroll down the page until you see an area that says “Calculate the Value of Your Paper Savings Bond(s).” In that area there’s an Update button. See the image below:
Click on the Update button and your inventory will be restored in the Savings Bond Calculator.
Be sure to click on the “How to Save Your Inventory” button before you resave your file to get complete instructions.
Do you report savings bond interest to the IRS every year as it accrues?
If you report interest annually, check out the Calculator's YTD Interest feature. It reports the amount of interest your bonds have accrued from the start of a year through the date you enter in the 'Value as of' section. Here's how you can use this feature to calculate the amount of interest your bonds accrued in one calendar year:
- List the bonds you want to report annually.
- Enter December of the tax year in the 'Value as of' box. For example, if you want to find the interest your bonds accrued in 1999, enter 12/1999 in the 'Value as of' box.
- Find the value in the 'YTD Interest' box. That's the amount of interest your bonds accrued that year.