I Bond Penalty Calculator
Early-redemption penalty on an I-bond held under 5 years.
Your I-bond numbers never leave your browser — all math runs locally.Try: Purchase year=2023, Purchase amount=1000, Valuation year=2024, Valuation month=8 → 6.88%, 19, $1,113, $113, $19, $1,094
How to use
Redeeming before five years forfeits the last three months of interest. Set a valuation under 5 years to see the penalty.
FAQ
How is the penalty sized?
It is roughly the interest earned in the final three months before redemption.
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