I Bond Value — January 2022
A $1,000.00 I Bond issued in January 2022 is worth $1,223.20 today.
Current total value
$1,223.20
Redemption value (incl. penalty)
$1,214.00
Current composite rate
3.12%
Interest earned to date
$223.20
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 $9.20. Its redemption value today is $1,214.00.
Semiannual value table
Value of this $1,000.00 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% | $1,000.00 | $1,000.00 |
| July 2022 | 9.62% | $1,035.60 | $1,017.60 |
| January 2023 | 6.48% | $1,085.60 | $1,060.40 |
| July 2023 | 3.38% | $1,120.80 | $1,103.20 |
| January 2024 | 3.94% | $1,139.60 | $1,130.40 |
| July 2024 | 2.96% | $1,162.00 | $1,150.80 |
| January 2025 | 1.90% | $1,179.20 | $1,170.40 |
| July 2025 | 2.86% | $1,190.40 | $1,184.80 |
| January 2026 | 3.12% | $1,207.60 | $1,198.80 |
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.