FDIC Coverage Calculator 2026 — Deposit Insurance Estimator ★★★★★

What is an FDIC Coverage Calculator and How Does It Work?

An FDIC coverage calculator determines how much of your money is protected by federal deposit insurance if your bank fails. Our FDIC coverage calculator 2026 uses the official FDIC rules to calculate insured and uninsured deposits by ownership category. The calculator answers the critical question: "How much of my money is FDIC insured?" Whether you have a simple savings account or a complex mix of joint, trust, and retirement accounts, this tool shows you exactly where you stand.

How does the FDIC insurance estimator work? Enter your balances for single accounts, joint accounts (with number of owners), retirement accounts (IRAs), and revocable trust accounts (with number of beneficiaries). The calculator instantly shows your total insured amount, uninsured amount, coverage percentage, and a breakdown by category. It also provides recommendations for maximizing your coverage [citation:1][citation:5].

FDIC Coverage Rules: Per Depositor, Per Bank, Per Category

The FDIC standard maximum deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category [citation:1][citation:2]. This means a single person can have far more than $250,000 insured at one bank if their money is spread across different ownership categories. For example, $250,000 in a single account, $500,000 in a joint account (2 owners), and $250,000 in an IRA totals $1,000,000 in insured deposits at the same bank.

Branches do NOT count separately. All branches of the same FDIC-insured bank are treated as one institution. Spreading money across different branches of the same bank does not increase your coverage [citation:11].

How Joint Account Coverage Works

Each co-owner of a joint account is insured up to $250,000. A joint account with two owners has $500,000 in total coverage ($250,000 per owner). With three owners, coverage is $750,000, and so on [citation:6][citation:9]. Each co-owner's share of all joint accounts at the same bank is added together and insured up to $250,000 per owner.

How Trust Account Coverage Works

Revocable trust accounts (including payable-on-death and in-trust-for accounts) are insured up to $250,000 per owner, per beneficiary, up to 5 beneficiaries [citation:6][citation:11]. A trust with one owner and 3 beneficiaries has $750,000 in coverage. With 5 beneficiaries, coverage reaches $1,250,000. For 6 or more beneficiaries, coverage is calculated using a formula but is subject to specific limitations [citation:11].

What FDIC Does NOT Cover

FDIC insurance only covers deposit products. It does not cover stocks, bonds, mutual funds (including money market mutual funds), crypto assets, annuities, life insurance policies, or safe deposit box contents [citation:1][citation:18]. Even if these products are sold through an FDIC-insured bank, they are not protected by federal deposit insurance.

How to Increase Your FDIC Coverage

Strategy 1: Open accounts in different ownership categories (single, joint, trust, IRA) at the same bank. Each category gets its own $250,000 limit [citation:15].

Strategy 2: Open accounts at multiple separately chartered FDIC-insured banks. Each bank provides its own $250,000 coverage limit per category [citation:2][citation:19].

Strategy 3: Use a CD ladder or brokered CDs to spread deposits across multiple banks while managing everything from one brokerage account [citation:19].