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Form 8815 - Exclusion of Interest from Series EE and I U S

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Form 8815 is used to calculate the exclusion of interest from Series EE and I U.S. Savings Bonds issued after 1989 for taxpayers who cashed these bonds in 2014 and incurred qualified higher education expenses. The form requires information about the taxpayer, the educational institution, and the amounts of qualified expenses and nontaxable educational benefits. It outlines eligibility criteria, recordkeeping requirements, and specific instructions for completing the form to determine the amount of interest that can be excluded from taxable income.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Are Series EE or I savings bonds taxable?

The tax situation is the same for both EE and I bonds. For federal income tax, you choose whether to report earnings each year or wait to report all the earnings when the bond finishes earning interest (or when you cash it if you cash it before the end of its 30 year life).

Do I need to report series I bonds on my taxes?

I cashed some Series E, Series EE, and Series I savings bonds. How do I report the interest? In general, you must report the interest in income in the taxable year in which you redeemed the bonds to the extent you did not include the interest in income in a prior taxable year.

What happens to the interest earned on United States Series EE savings bonds?

Your EE and I savings bonds earn interest from the first month you own them. You get the interest all at once. For a paper bond, this happens when you cash the bond. For an electronic bond, it happens either when you cash the bond or when the bond finishes its 30-year life (it matures).

What is the education exclusion on EE bonds?

Interest income from EE bonds is exempt from state and local taxes but not from federal taxes. The owner may receive tax relief if the funds go to funding qualified higher education.

Do I qualify to exclude series I bond interest?

The exclusion is subject to income limitations: Your modified adjusted gross income (AGI) is less than $111,800 if single, head of household, or qualifying surviving spouse. Your modified adjusted gross income (AGI) is less than $175,200 if married filing jointly.

Which is better Series I or EE savings bonds?

Bottom line. I bonds, with their inflation-adjusted return, safeguard the investors purchasing power during periods of high inflation. On the other hand, EE Bonds offer predictable returns with a fixed-interest rate and a guaranteed doubling of value if held for 20 years.

Do I pay taxes on EE savings bonds?

Interest from your bonds goes on your federal income tax return on the same line with other interest income.

What is the downside of an I bond?

Cons of I Bonds This cap makes I Bonds unsuitable for those looking to invest larger sums. Early withdrawal penalty: If you cash in your I Bonds before five years have passed, you lose the last three months of earned interest. This penalty may impact liquidity for those who need their funds sooner.

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