$10,000.00 I Bond Value — July 2023
A $10,000.00 I Bond issued in July 2023 is worth $11,204.00 today.
Current total value
$11,204.00
Redemption value (incl. penalty)
$11,092.00
Current composite rate
4.03%
Interest earned to date
$1,204.00
About this July 2023 I Bond
This Series I savings bond was issued in July 2023 and locked in a fixed rate of 0.90% for the life of the bond. It has earned interest for 2 years, 11 months, and its inflation component resets every six months. It is currently earning a composite rate of 4.03%.
Because this bond is less than five years old, redeeming it now forfeits the most recent three months of interest — a penalty of $112.00. Its redemption value today is $11,092.00.
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 |
|---|---|---|---|
| July 2023 | 4.30% | $10,000.00 | $10,000.00 |
| January 2024 | 4.86% | $10,216.00 | $10,108.00 |
| July 2024 | 3.87% | $10,464.00 | $10,340.00 |
| January 2025 | 2.81% | $10,668.00 | $10,564.00 |
| July 2025 | 3.77% | $10,816.00 | $10,744.00 |
| January 2026 | 4.03% | $11,020.00 | $10,916.00 |
Other amounts for July 2023
Check your own numbers
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