Fdic Calculator
Calculate FDIC insurance coverage for your deposits across multiple accounts and ownership categories.
Published by:
isCalculator Editorial Team
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How to use this tool?
How to Use the FDIC Calculator
This calculator estimates your total FDIC insurance coverage based on deposit amounts across six ownership categories. Each category is insured up to $250,000 per depositor, per bank.
- Enter deposit amounts in the fields for each category: Single, Joint, Revocable Trust, Irrevocable Trust, Retirement, and Business/Corporate accounts. Use whole numbers (e.g., 150000) without commas or dollar signs.
- Click "Calculate Coverage" to see your results.
- Review the output:
- Total Deposits – the sum of all entered amounts.
- Insured Amount – the total covered by FDIC insurance (capped at $250,000 per category).
Note: All inputs must be non-negative numbers. Invalid entries trigger a red error indicator. The formula applies the $250,000 limit individually to each category before summing.
Previous Results
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Frequently Asked Questions
The standard insurance amount is $250,000 per depositor, per insured bank, for each ownership category.
Common categories include single accounts, joint accounts, revocable trust accounts, irrevocable trust accounts, retirement accounts, and business accounts.
Yes, if you have accounts in different ownership categories, each category is insured separately up to $250,000.
