$10,000.00 I Bond Value — January 2022
A $10,000.00 I Bond issued in January 2022 is worth $12,232.00 today.
Current total value
$12,232.00
Redemption value (incl. penalty)
$12,140.00
Current composite rate
3.12%
Interest earned to date
$2,232.00
About this January 2022 I Bond
This Series I savings bond was issued in January 2022 and locked in a fixed rate of 0.00% for the life of the bond. It has earned interest for 4 years, 5 months, and its inflation component resets every six months. It is currently earning a composite rate of 3.12%.
Because this bond is less than five years old, redeeming it now forfeits the most recent three months of interest — a penalty of $92.00. Its redemption value today is $12,140.00.
Semiannual value table
Value of this $10,000.00 I Bond at the start of each six-month earning period since issue.
| Period start | Composite rate | Value | Value after penalty |
|---|---|---|---|
| January 2022 | 7.12% | $10,000.00 | $10,000.00 |
| July 2022 | 9.62% | $10,356.00 | $10,176.00 |
| January 2023 | 6.48% | $10,856.00 | $10,604.00 |
| July 2023 | 3.38% | $11,208.00 | $11,032.00 |
| January 2024 | 3.94% | $11,396.00 | $11,304.00 |
| July 2024 | 2.96% | $11,620.00 | $11,508.00 |
| January 2025 | 1.90% | $11,792.00 | $11,704.00 |
| July 2025 | 2.86% | $11,904.00 | $11,848.00 |
| January 2026 | 3.12% | $12,076.00 | $11,988.00 |
Other amounts for January 2022
Check your own numbers
Want to value a different amount or date? Open the calculator prefilled for this January 2022 bond, or browse every issue month.