Treasury Bond Yield Calculator

Estimate savings-bond returns (single or compound) and book-entry bond income: accrued interest plus the buy-sell price spread over any holding period.

Bond type

Principal

Coupon rate (%)

Years

Interest mode

Maturity value · 10,768.91

Maturity value10,768.91

Total interest768.91

Annualized rate2.50%

Default rates are illustrative assumptions, not current issue rates. Actual savings-bond coupons are announced per issue by China’s Ministry of Finance; book-entry yields move daily. Applies to mainland China treasury market; other regions differ — check the latest announcement and this note’s update date (2026-10).

Estimates for reference only; not investment advice. Actual interest depends on the issuing announcement.

Principal growth: yearly re-invest vs simple

What is it

Savings bonds pay a published coupon — whether that interest compounds depends on the payment mode. Book-entry bonds earn accrued interest every day you hold them, plus any price difference between your buy and sell price.

Notes & fun facts

Chinese savings bonds were the cautious investor’s “certificate of deposit with better manners” — queues formed on issue days. Book-entry bonds trade daily, so their income has two parts: accrued interest and the price you realize.

Origin & history

Savings bonds (electronic form since 2004, paper before) pay coupons set at issuance; book-entry treasury bonds have been the main interbank instrument since the 1990s, with yields quoted daily. Rates are set per issue and vary by market and date.