US Household PulseThe United States economy,
from the household inward
1 series not refreshed · updated Nov 2, 2026 Methodology
CPI 3.7%Unemployment 4.2%30Y mortgage 7.24%Saving 3.8¢ per $1Debt service 11.11%Fed funds 3.88%10Y Treasury 4.94%U.S. debt $40.594TDebt / household $301,162Household pressure 43.2

How much do Americans owe on credit cards?

Credit card debt

Revolving consumer credit outstanding, owned and securitized, seasonally adjusted, from the Federal Reserve’s G.19 release. It is mostly credit card balances.

$1.35T
Dollars, August 2026
+3.4% from a year earlier
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$0$200.0B$400.0B$600.0B$800.0B$1.00T$1.20T$1.40T197019751980198519901995200020052010201520202025$1.35T
Shaded: U.S. recessions (NBER)Dollars

What this measures

Revolving credit includes balances people pay off each month as well as balances they carry, so it rises with spending as well as with borrowing. It does not include mortgages, auto loans or student loans.

Use the inflation-adjusted view before comparing with past records: dollar balances rise with prices even when real borrowing does not.

Source: Federal Reserve G.19 via FRED (REVOLSL). Updated automatically when the source publishes. How we handle data · Embed this chart

The household economy, once a month

A short email after each month’s inflation and jobs data: what changed, what it means for a household budget, and nothing else.