I'm looking into purchasing $10,000 of Series I Savings Bonds every year. I'm trying to understand what the formula is for their growth.

I looked at bond calculators, but to be honest, I'm not very good at this sort of thing, so I couldn't understand it.

I'm 29 right now, so what I'd love to see is something I can plug into Excel where I can list out all years between now and 65 (retirement age), so I can play around with expected yield rates on the bonds overtime. Thanks!

  • See here. Since your example will all ve hypothetical, all you need is round(25*(1+rate/2)^(m/6), 2), where m is the number of months. All you need to change is the rate and how many months ahead you want to go.
    – AKdemy
    Jan 7, 2023 at 3:38


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