FDIC Coverage Gap Analyzer

Quickly surface whether large cash balances at one bank stay inside FDIC insurance limits. Enter the combined deposits and number of owners to see how much is protected versus uninsured. Optional fields let you adjust the per-owner limit or model revocable trust beneficiaries to reflect how coverage expands.

Sum the balances for all accounts held at the same bank.
Each unique owner in the ownership category counts once.
Defaults to $250,000. Adjust for higher limits at certain institutions.
Defaults to 0. Each unique beneficiary can extend coverage up to FDIC limits.

FDIC rules vary for certain account types and trust structures. Confirm eligibility and insured amounts with your financial institution before making decisions.

Examples

  • $725,000 across two joint owners, defaults for optional fields ⇒ Insured balance: $500,000.00 USD (68.97% of deposits) • Uninsured exposure: $225,000.00 USD • Coverage capacity modeled: $500,000.00 USD • Owners counted: 2 • Beneficiaries counted toward coverage: 0
  • $1,200,000 in a revocable trust with two owners and four beneficiaries ⇒ Insured balance: $1,200,000.00 USD (100.00% of deposits) • Uninsured exposure: $0.00 USD • Coverage capacity modeled: $2,000,000.00 USD • Owners counted: 2 • Beneficiaries counted toward coverage: 4

FAQ

How do I account for POD or ITF designations?

Add the named pay-on-death or in-trust-for beneficiaries to the beneficiary field so their coverage is reflected in the modeled capacity.

Does this calculator handle revocable trust tiers above five beneficiaries?

It mirrors the FDIC simplified coverage adopted in 2024, which caps unique beneficiary multipliers at five per owner. For more complex trusts, verify coverage directly with your bank.

What if some deposits are in business accounts?

Business accounts fall under separate ownership categories. Run a separate scenario for each category to avoid mixing personal and business balances.

Can I include brokered cash sweep balances?

Only include balances held at a single underlying bank. If a sweep program spreads cash across multiple partner banks, calculate each allocation separately.

Additional Information

  • Coverage is calculated using standard FDIC limits of $250,000 per owner per ownership category unless you override the limit.
  • Revocable trust coverage assumes up to five unique beneficiaries per owner, matching FDIC simplified rules adopted in 2024.
  • Only deposits held at the same FDIC-insured institution are aggregated; funds spread across banks receive separate limits.
  • For irrevocable trusts or special account categories, consult institution-specific rules before relying on this projection.

Related calculators