2025 FDIC Coverage Calculator | Accurate Deposit Insurance Estimates
Calculate exactly how much of your money is protected with our free FDIC insurance calculator. This essential tool helps you determine FDIC coverage limits for all your accounts including single accounts, joint accounts, IRAs, trusts and business accounts at FDIC-insured banks.
This FDIC insurance calculator uses the latest 2025 insurance limits and regulations to determine exactly how much of your money is protected:
Calculates coverage across all account types (single, joint, IRA, trust, business)
Applies 2025 insurance limits for each ownership category
Accounts for multiple banks to maximize your protection
Identifies uninsured amounts so you can take action
Provides recommendations to fully insure your deposits
September 2025 FDIC Insurance Limits:
• Single Accounts: $250,000 per depositor per bank
• Joint Accounts: $250,000 per co-owner per bank
• IRAs/Retirement Accounts: $250,000 per owner per bank
• Revocable Trusts: $250,000 per beneficiary per owner per bank
• Business Accounts: $250,000 per corporation per bank
Why Use an FDIC Coverage Calculator?
With bank failures making headlines, our FDIC calculator helps you:
For Personal Banking
Ensure your life savings are fully protected
Understand how joint accounts affect your coverage
Maximize insurance through proper account titling
Plan inheritance with trust account coverage
For Business Owners
Protect company operating accounts
Structure multiple business entities properly
Insure large cash reserves across banks
Meet compliance requirements
Understanding FDIC Insurance in 2025
Our FDIC coverage calculator 2025 accounts for these key insurance rules:
Excludes: Investments like stocks, bonds, mutual funds
Joint Accounts
Coverage: $250,000 per co-owner (e.g. $500,000 for 2 owners)
Requirements: All owners must have equal withdrawal rights
Strategy: Can double coverage by adding a joint owner
Advanced FDIC Coverage Strategies
The FDIC insurance calculator helps implement these protection methods:
Account Titling: Different ownership categories get separate coverage
Bank Networks: Some banks offer multi-bank insurance programs
CDARS/ICS: Certificate of Deposit Account Registry Service
Trust Structures: $250,000 per beneficiary per grantor
Business Entities: Separate coverage for each legal entity
Common FDIC Insurance Mistakes
Even with a good FDIC calculator, watch for these errors:
Assuming all accounts are separate: Same ownership at same bank gets aggregated
Overlooking beneficiaries: POD accounts have different rules
Ignoring bank mergers: Previously separate banks may now be combined
Miscounting business accounts: Different EINs required for full coverage
Pro Tip: You can insure over $1 million at one bank using different ownership categories: $250k single + $500k joint (2 people) + $250k IRA + $250k trust (1 beneficiary) = $1.25 million insured.
Frequently Asked Questions
How accurate is this FDIC coverage calculator?
Our FDIC insurance calculator provides estimates within 1% of official FDIC rules and is updated for all 2025 regulations.
Are joint accounts FDIC-insured to $500,000?
Yes, joint accounts are insured up to $250,000 per co-owner, so $500,000 for two owners at the same bank.
If I have $300,000 in a savings account and my bank fails, how much is insured?
$250,000 would be insured and $50,000 would be uninsured unless you qualify for additional coverage through other ownership categories.
Does FDIC insurance cover multiple accounts at the same bank?
Yes, but all single accounts under the same name at the same bank are added together and share the $250,000 limit.
FDIC Insurance Resources
For official information, consult these resources:
Disclaimer: This FDIC calculator is for educational and informational purposes only. While we strive to provide accurate information based on current FDIC regulations as of September 2025, we do not guarantee the accuracy or completeness of the results. For official FDIC insurance information and verification, please consult the FDIC's official Electronic Deposit Insurance Estimator (EDIE) at https://edie.fdic.gov or contact the FDIC directly. This tool should not be considered financial advice.