I Bond Value — January 2023
A $1,000.00 I Bond issued in January 2023 is worth $1,141.60 today.
Current total value
$1,141.60
Redemption value (incl. penalty)
$1,131.60
Current composite rate
3.53%
Interest earned to date
$141.60
About this January 2023 I Bond
This Series I savings bond was issued in January 2023 and locked in a fixed rate of 0.40% for the life of the bond. It has earned interest for 3 years, 5 months, and its inflation component resets every six months. It is currently earning a composite rate of 3.53%.
Because this bond is less than five years old, redeeming it now forfeits the most recent three months of interest — a penalty of $10.00. Its redemption value today is $1,131.60.
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 2023 | 6.89% | $1,000.00 | $1,000.00 |
| July 2023 | 3.79% | $1,034.40 | $1,017.20 |
| January 2024 | 4.35% | $1,054.00 | $1,044.00 |
| July 2024 | 3.37% | $1,076.80 | $1,065.60 |
| January 2025 | 2.30% | $1,094.80 | $1,086.00 |
| July 2025 | 3.27% | $1,107.20 | $1,101.20 |
| January 2026 | 3.53% | $1,125.20 | $1,116.40 |
Other amounts for January 2023
Check your own numbers
Want to value a different amount or date? Open the calculator prefilled for this January 2023 bond, or browse every issue month.