How much is a $100 savings bond worth after 30 years?

What’s a $100 Savings Bond Worth After 30 Years?

If you’ve held onto a $100 savings bond since 1994, you might be surprised at how much it's grown. These bonds, particularly Series EE bonds issued by the U.S. Treasury, are designed to double in value over time—but not always exactly in 30 years. For a $100 bond purchased in October 1994, the current value after 30 years is $164.12.

That means your money has grown steadily thanks to compounded interest, even if it didn’t quite double. The interest on these bonds is applied monthly and compounded twice a year, which helps boost long-term gains. While early estimates might suggest a bond would double in 20 to 30 years, the actual performance depends on the fixed interest rate set at the time of issue and special Treasury guarantees that may have applied.

The same growth pattern scales up for larger denominations. A $1,000 bond from October 1994 is now worth $1,641.20, and a $10,000 bond from that same period has increased to $16,412.00. These figures reflect real, conservative growth—typical of government-backed securities that prioritize safety over high returns.

Many people forget about old savings bonds tucked away in drawers or inherited from family members. If you’re unsure about your bond’s value, the U.S. Treasury offers an online calculator to help you check its current worth. And remember: you’re not required to cash them in immediately, but waiting too long may not be beneficial—most Series EE bonds stop earning interest after 30 years.

So if you’ve been holding on since the '90s, now might be a great time to take stock. That $100 gift from decades ago has quietly grown into a more meaningful sum—proof that patience still pays, even in small ways.