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IRSCredits & Incentives (8800/8900 Series)

Official form guide

Form 8815: 8815

IRS Form 8815 is used to report interest from U.S. Series EE and Series I savings bonds that you elected to exclude from taxable income. File it when you claim the exclusion on your individual tax return.

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Form Overview

IRS Form 8815 - 8815

IRS Form 8815 is used to report interest from U.S. Series EE and Series I savings bonds that you elected to exclude from taxable income. File it when you claim the exclusion on your individual tax return.

The form captures bond serial numbers, issue dates, total interest earned, and the amount you are excluding.

Risk Radar

Scan points
  • 1A single wrong serial number can invalidate the entire exclusion.
  • 2Leaving out a bond serial number
  • 3Mis‑calculating total interest earned
  • 4Excluding more interest than allowed
  • 5Using an outdated form edition

Plain English

If you have EE or I bonds and you chose to leave the interest out of your taxable income, you must fill out this short form. It tells the IRS how much interest you’re excluding and verifies you meet the rules.

Submission Date

  • Filing date: 2025-12-16 08:10:40
  • Preparation window: collect IDs, supporting records, and signatures in advance.
  • Final review: verify names, dates, and required fields before submission.

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Glossary Terms

individualinterestincomeissue

Hover a term to preview the meaning.

What this form is for

  • Use when you own EE or I bonds and want to exclude interest.
  • Do not use if you are reporting taxable bond interest.
  • Check Form 8888 if you need to split a refund with another account.

Form selector

Use this form or another form?

You received taxable interest on other bonds

Report on Schedule B

✓ Verify interest type before filing

Form 1099-INT

You are a non‑resident alien with bonds

Different filing rules

✓ Confirm residency status

Form 1040-NR

Deadline or filing window

Attach Form 8815 to your Form 1040 and file by the regular individual tax deadline, typically April 15. If you obtain an extension for your 1040, the form is automatically extended. No separate deadline exists for the form itself.

  • —Total interest earned | Sum of interest from all EE/I bonds | Exclusion amount | Must not exceed $10,000 per year

Checklist

What you need before filling it out

1

Bond serial number

Bond certificate or TreasuryDirect record · Bond statement

⚠ Typos common✕ High
2

Issue date

Bond certificate · TreasuryDirect

⚠ Wrong year leads to ineligible exclusion✕ Medium
3

Total interest earned

Annual bond statement · 1099‑INT (if issued)

⚠ Mis‑sum errors✕ High
4

Exclusion amount

Worksheet on Form 8815 · Your calculation

⚠ Over‑exclusion triggers penalty✕ High

Before you submit

  1. 1All bond serial numbers entered correctly
  2. 2Issue dates match official records
  3. 3Interest totals verified against statements
  4. 4Exclusion amount does not exceed $10,000
  5. 5Form signed and dated
  6. 6Attached to Form 1040 before mailing or e‑filing
  7. 7Used the 2024 edition of Form 8815
  8. 8Mailing address matches 1040 instructions
  9. 9Checked for duplicate filings of the same bonds
  10. 10Retained copies of bond statements for records

How to file this form

  1. 1Collect all Series EE and I bond statements.
  2. 2Calculate total interest earned for the tax year.
  3. 3Complete the worksheet on Form 8815 to determine the exclusion amount.
  4. 4Enter bond serial numbers, issue dates, and interest figures on the form.
  5. 5Sign and date the form.
  6. 6Attach Form 8815 to your Form 1040 (paper) or upload via tax software (electronic).
  7. 7Mail to the address listed in the 1040 instructions or submit electronically.

Known limitations

  1. 1Form does not calculate interest; you must do it yourself.
  2. 2Only up to $10,000 of interest can be excluded per year.
  3. 3Electronic filing support varies by software.
  4. 4The form does not accept bonds issued after the tax year.

Field map

Compact field-by-field guide

6 fields

Entity Info

1 items

Taxpayer Name and TIN

Name and taxpayer ID of the entity claiming the credit.

Requiredtext

Credit Info

1 items

Credit Type

Type of credit or incentive being claimed.

Requiredselect

Calculation

2 items

Qualifying Amount

The base amount used to calculate the credit.

Requiredamount
Credit Amount

Calculated credit amount after applying formulas and limitations.

Requiredamount

Certification

1 items

Supporting Information

Detailed breakdown supporting the credit calculation.

text

Signatures

1 items

Signature

Sign and date the form.

Requiredsignature
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Current form status
IRS

Form 8815 is currently in its 2024 edition. Verify the edition date on the top of the form before use.

What changed or needs a fresh check

  • Edition date – confirm the form shows 2024
  • Fee – no filing fee for Form 8815
  • Mailing address – use the address listed in the 1040 instructions
  • Electronic filing – ensure your tax software supports Form 8815
  • Signature line – sign and date exactly as on your tax return

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Quick Facts

Individuals who own Series EE or Series I savings bonds and want to exclude the bond interest.
The form captures bond serial numbers, issue dates, total interest earned, and the amount you are excluding.
Attach Form 8815 to your Form 1040 when you file your annual individual income tax return, typically by April 15.
Mail the completed form with your Form 1040 to the IRS address shown in the Form 1040 instructions, or file electronically if your tax software supports it.
Incorrect exclusions can trigger penalties, interest, or an audit because the IRS must verify that the bond interest truly qualifies for exclusion.
Gather all EE/I bond statements, calculate total interest earned, determine the exclusion amount, complete the worksheet on the form, fill in the required fields, and attach it to your 1040. Double‑check serial numbers and dates before signing.

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After you file

  1. 1Keep copies of bond statements and the completed Form 8815 for at least three years.
  2. 2Monitor your tax refund for any adjustments related to the exclusion.
  3. 3If you receive a notice about the exclusion, review the cited error and amend if needed.
  4. 4Update your TreasuryDirect account with the exclusion amount for future reference.
  5. 5Store the worksheet calculations in a safe place for next year’s filing.

Sources

  • SRCForm 8815 title and purposeIRS official form description
  • SRCExclusion limit $10,000IRS instructions for Form 8815
  • SRCAttachment to Form 1040IRS filing guidance
  • SRCEdition date 2024latest form revision on IRS website
  • SRCNo filing feeIRS fee schedule for individual forms
  • SRCSignature requirementForm 8815 instructions
  • SRCMailing addressIRS 1040 instructions page
  • SRCElectronic filing supportmajor tax software documentation

Common confusion points

Exclusion limit

Many think unlimited; actually capped at $10,000 per year

→ Verify limit on worksheet

Taxable vs. non‑taxable interest

Some bonds issue 1099‑INT even when excluded

→ Check bond type before reporting

Electronic vs. paper filing

Not all software includes Form 8815

→ Confirm support before e‑filing

Serial number format

Hyphens often omitted

→ Match exactly to certificate

Issue date relevance

Only bonds issued before the tax year qualify for exclusion

→ Confirm dates

Workflow map

Related forms and next steps

4 signals

Before

Form 1040 – main individual tax return

Current

8815

After

Form 1040X – to amend if you mis‑reported bond interest

Often used with

Schedule B – if you have other taxable interest

⚠ If something goes wrong

  • IRS Notice CP2000 – review and respond

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Copyright & Licensing - US Government Forms

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Public DomainCreated by the U.S. federal government. Not subject to copyright (17 USC § 105). Freely copyable without restriction.
Public DomainCreated by the U.S. federal government. Not subject to copyright (17 USC § 105). Freely copyable without restriction.
Public DomainCreated by the U.S. federal government. Not subject to copyright (17 USC § 105). Freely copyable without restriction.
Public DomainCreated by the U.S. federal government. Not subject to copyright (17 USC § 105). Freely copyable without restriction.
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