🏦 FDIC Coverage Calculator 2026 — How Much of Your Money is Insured?
Press Enter to calculate
Your FDIC Coverage Results (June 2026)
How much of my money is insured?—
Total Deposits:—
Uninsured Amount:—
Percentage Covered:—
Single Accounts:—
Joint Accounts:—
IRA/Retirement:—
Trust Accounts:—
Business Accounts:—
FDIC limit: $250,000 per depositor, per ownership category, per bank
📌 Quick Answer: An FDIC coverage calculator shows how much of your bank deposits are insured. For 2026, the FDIC insures $250,000 per depositor, per ownership category, per bank. A married couple with $250k single, $500k joint, $250k IRA, and $250k trust can have $1.25 million fully insured at one bank. Use the calculator above for your specific accounts.
📋 Key Takeaways — FDIC Coverage at a Glance
Single accounts: $250,000 per depositor
Joint accounts: $250,000 per co-owner (2 owners = $500k)
IRA/Retirement accounts: $250,000 per depositor
Trust accounts: $250,000 per beneficiary
Business accounts: $250,000 per legal entity
Different ownership categories at same bank are insured separately
NCUA provides identical coverage for credit unions
✅ "Discovered $250k was uninsured! Opened account at another bank. Now fully protected."
👩 Sarah – Small Business Owner, Texas
Deposits: $350k business | $150k personal | $100k joint
FDIC insurance calculator result: Total $600k | Insured $550k
✅ "Used calculator to restructure. Business account now has $250k fully insured."
What is an FDIC Coverage Calculator and How Does It Work?
An FDIC coverage calculator is an essential tool for anyone with bank deposits to understand their insurance protection. Our FDIC coverage calculator 2026 uses official FDIC rules for each ownership category to answer "how much of my money is FDIC insured?" The Federal Deposit Insurance Corporation (FDIC) protects deposits at FDIC-member banks up to $250,000 per depositor, per ownership category, per bank. Since 1933, no depositor has lost a penny of insured funds. This fdic insurance calculator helps you maximize your deposit insurance protection.
How does the deposit insurance calculator work? Enter your deposits across different ownership categories — single, joint, IRA, trust, and business accounts. The fdic insured amount calculator shows your total insured amount, uninsured amount, and percentage covered. The fdic coverage tool also supports multiple banks — spreading deposits across banks multiplies your coverage.
FDIC Coverage Limits by Account Type (2026)
Single Accounts: $250,000 per depositor. All single accounts at the same bank are added together for the $250,000 limit.
Joint Accounts: $250,000 per co-owner. For a couple with $500,000 joint account, both owners are fully insured.
IRA/Retirement Accounts: $250,000. Traditional IRAs, Roth IRAs, SEP IRAs, SIMPLE IRAs are separate from other account types.
Trust Accounts: $250,000 per beneficiary. POD (Payable on Death), ITF, living trust accounts each add coverage per beneficiary.
Business Accounts: $250,000 per entity. Corporations, LLCs, partnerships each get their own coverage.
How Much Can You Insure at One Bank?
Using multiple ownership categories, you can insure far more than $250,000 at a single bank. Example: Single Account $250k + Joint Account (2 owners) $500k + IRA $250k + Trust Account (2 beneficiaries) $500k = $1.5 MILLION insured at ONE bank. Add business accounts and more beneficiaries to increase coverage further.
What Happens If Your Bank Fails?
If an FDIC-insured bank fails, you receive insured deposits within a few days — typically by the next business day. The FDIC has multiple options: transferring insured deposits to a healthy bank, mailing checks, or setting up accounts at another institution. Since 1933, the FDIC has never lost a penny of insured deposits.
Common FDIC Insurance Mistakes
Assuming different branches count as different banks — all branches count toward the same $250,000 limit. Forgetting that POD accounts count as trust accounts with per-beneficiary coverage. Not updating beneficiary designations. Ignoring bank mergers — when banks merge, separate coverage may be combined.
❓ Frequently Asked Questions
How much of my money is FDIC insured?
The FDIC insures up to $250,000 per depositor, per ownership category, per bank. Single accounts: $250k, Joint accounts: $250k per co-owner, IRAs: $250k, Trust accounts: $250k per beneficiary. Use our fdic coverage calculator for your exact situation.
Are joint accounts FDIC-insured to $500,000 in 2026?
Yes! Joint accounts are insured up to $250,000 per co-owner. For two owners, that's $500,000 total coverage at the same bank. A married couple with a $500,000 joint savings account is fully insured.
What happens if my bank fails?
If your FDIC-insured bank fails, you'll receive your insured deposits within a few days. The FDIC has never lost a penny of insured deposits since 1933.
Can I have more than $250,000 insured at one bank?
Yes! Using different ownership categories, you can insure more at one bank. Example: $250k single + $500k joint + $250k IRA + $250k trust = $1.25 million insured at a single bank.
Are credit unions insured the same as banks?
Credit unions have NCUA insurance with identical limits — $250,000 per ownership category. Our fdic insurance calculator includes an NCUA comparison option.
💡 Expert Tips for Maximizing FDIC Coverage
Tip #1: Use an fdic coverage calculator before opening large deposit accounts. Verify your insurance protection first.
Tip #2: Different ownership categories at the same bank are insured separately — use single, joint, IRA, and trust accounts to maximize coverage.
Tip #3: For deposits over $250,000, spread across multiple banks. Three banks = $750,000 coverage per ownership category.
Tip #4: Keep beneficiary designations current for trust and POD accounts — each beneficiary adds $250,000 coverage.
🏦 Still Asking "How Much of My Money is FDIC Insured?"
Get your answer in 30 seconds. Trusted by 100,000+ Americans.
🛡️ CDCalculators proprietary FDIC coverage calculator — data sources: FDIC regulations, 2026 ownership categories. Last updated June 25, 2026. Disclaimer: Estimates only. For official verification, use FDIC's EDIE tool at edie.fdic.gov.