Retirement Planning

Experts estimate you'll need 70-80 percent of your pre-retirement income—lower earners will need 90 percent or more—to maintain your standard of living when you stop working. This is based on the assumption that you'll cut out many of your current expenses, like commuting costs, when you retire.

When you use savings bonds during retirement, you can:

  • Avoid dipping into your retirement accounts early by using your bonds instead.
  • Defer paying taxes on interest your bonds earn. You can wait until you cash (redeem) your bonds or they mature, whichever comes first. If redemption or maturity occurs after you retire, you might pay less, as you might be in a lower tax bracket then.

Savings bonds are backed by the full faith and credit of the United States government.

Use our Estimation Calculators to help you plan ahead.

If you don't know which savings bond is best for your needs, visit our I and EE Savings Bond comparison page.

Making Your Retirement Planning Easier with TreasuryDirect.

TreasuryDirect makes it easy for you to plan and manage your retirement savings electronically. You can:

  • Purchase any amount starting from $25 to $10,000 per savings bonds series in penny increments.
  • View your account online 24 hours a day, 7 days a week.
  • Deposit the funds into your designated checking or savings account when you redeem your bonds.