How is this calculated?

Coverage on cash is capped at the cash sub-limit, even if the total balance is under the total limit. Whatever coverage is left after cash covers securities, up to the total limit. Anything above that combined covered amount is treated as uninsured for the purpose of this estimate.

Home/Trading Tools/SIPC Coverage Calculator

Risk Management Tools

How much of my account would be uninsured if my broker failed?

Q: How much of my account would be uninsured if my broker failed?

SIPC covers up to $500,000 per customer at a failed brokerage, of which up to $250,000 can be cash. Any cash above the cash sub-limit, or any total balance above the overall limit, would be uninsured.

The traders who last aren't the ones who never lose. They're the ones who never guess.

Jason Parker, Founder of Trading Habits

Enter Your Numbers

Your Coverage Breakdown

Enter your account balances and click Calculate to see how much SIPC would cover and how much would be left uninsured if your brokerage firm failed.

How this is calculated

Coverage on cash is capped at the cash sub-limit you entered, even if your total balance is well under the total limit.
Whatever coverage capacity is left after cash is applied first covers your securities, up to the total limit.
SIPC protection applies only if a SIPC-member brokerage firm fails and customer assets go missing. It does not protect against market losses, a bad trade, or a stock going to zero.
SIPC is not FDIC insurance. FDIC covers bank deposits; SIPC covers brokerage accounts, and the two programs are not interchangeable.
These are the standard SIPC limits at the time this tool was built. Limits are set by SIPC and can change, so confirm the current figures directly at sipc.org, especially if you're holding a balance near either limit.
If you hold multiple accounts in different "separate capacities" (individual vs. joint vs. IRA, for example) at the same firm, each capacity may get its own coverage limit. This tool calculates one account at a time and does not combine accounts for you.

Risk & liability disclaimer: This calculator applies the standard SIPC coverage formula to the numbers you enter. It is not financial, legal, or insurance advice, and it is not a guarantee of any recovery amount in an actual brokerage failure. Actual SIPC claims depend on the specifics of the liquidation, the type of assets held, and SIPC's own determination process. Trading Habits is not affiliated with SIPC, any brokerage, or any regulator. Verify current coverage limits and your own account structure directly with SIPC and your broker.

How much of my account would be uninsured if my broker failed?

Enter Your Numbers

Your Coverage Breakdown

How this is calculated

More Trading Tools