US HOUSEHOLD PULSE
THE UNITED STATES ECONOMY,
FROM THE HOUSEHOLD INWARD
FROM THE HOUSEHOLD INWARD
LATEST OFFICIAL DATA
THE UNITED STATES ECONOMY · FROM THE HOUSEHOLD INWARD
Where does theAmerican household dollar go?
See how each after-tax dollar is divided between spending and saving—and the economic pressures shaping that balance.
PUBLIC DATAOfficial sources
NO USER INPUTNational indicator
SOURCE-DATEDLatest observation shown
OUR INTERPRETATION
HOUSEHOLD PRESSURE—/100CALCULATINGCurrent official conditions
LOWBALANCEDHIGH
Household Dollar: the official personal saving rate expressed as cents saved from each $1 of disposable personal income. Personal outlays are the complement.
Household Pressure: an experimental five-dimension composite: cost pressure, real-income pressure, employment pressure, housing pressure, and household balance-sheet pressure.
The Household Pressure Index is an analytical instrument, not an official government statistic.
WHAT’S DRIVING HOUSEHOLD PRESSURE
THE AUDITED HOUSEHOLD DOLLAR
One dollar.
Two destinations.
No double counting. Disposable personal income is already after personal current taxes; the remainder divides into personal outlays and personal saving.
SEE DETAILS & SOURCES →AFTER-TAX
PERSONAL INCOME $1.00
PERSONAL INCOME $1.00
→
PERSONAL OUTLAYS —¢consumption + interest + current transfers
PERSONAL SAVING —¢official personal saving rate
SPENDING COMPOSITION IS A SEPARATE VIEW.Housing, food, transportation and healthcare can explain consumer spending composition, but are not deducted again from this same $1.
FINANCIAL CONDITIONS
How easy is money?
The Chicago Fed NFCI summarizes conditions across money, debt, equity and banking markets. Negative readings are looser than average; positive readings are tighter.
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LOOSERAVERAGETIGHTER
THE AMERICAN BALANCE SHEET
What households own.
What households owe.
Aggregate household and nonprofit net worth compared with debt securities and loans. The ratio adds scale to the household debt number.
HOUSEHOLD NET WORTH——
NET WORTH / DEBT—derived from official totals
HOUSEHOLD DEBT——
UNITED STATES · FEDERAL BALANCE SHEET
THE U.S.
DEBT CLOCK
The nation's debt is always changing.
See the estimated pace in real time—anchored to official Treasury data.
◉ ESTIMATED LIVE○ OFFICIAL DATA□ OPEN METHODOLOGY
ESTIMATED LIVE U.S. DEBT NOW
—
— / SECONDRECENT TREASURY PACE · SESSION ANIMATION
—ESTIMATED DAILY
PACE
PACE
+$0ADDED SINCE YOU
OPENED THIS PAGE
OPENED THIS PAGE
—PER PERSON
U.S. POPULATION
U.S. POPULATION
— LAST OFFICIAL TREASURY READING · —
— DEBT/GDP —
The large counter begins at the latest official Treasury reading and moves only while this page is open. It is not an unpublished Treasury balance.
— DEBT/GDP —
FEDERAL BALANCE SHEET CONFIRMED
DEBT HELD BY PUBLIC——
+
INTRAGOVERNMENTAL DEBT——
=
LAST OFFICIAL FEDERAL DEBT—100% OF TOTAL
FEDERAL CASH CLOCK ESTIMATED PACE FROM OFFICIAL ANNUAL TOTALS
MONEY IN—/SEC— / DAY · — / YEARREVENUE
→
MONEY OUT—/SEC— / DAY · — / YEARSPENDING
→
THE GAP—/SEC— / DAY · — / YEARDEFICIT
INTEREST ON DEBT— /SEC— /DAY— /YEAR
WHERE FEDERAL MONEY GOES COMPOSITION OF OUTLAYS
—TOTAL OUTLAYS
WHO HOLDS THE FEDERAL DEBT?
Two parts of one total.
Debt held by the public is owed outside federal government accounts. Intragovernmental holdings are Treasury securities held by federal trust and special funds.
DEBT HELD BY PUBLIC——
INTRAGOVERNMENTAL——
HOUSEHOLD DEBT CLOCK
Debt beyond Washington.
Household and consumer balance-sheet measures are shown separately from federal debt.
HOW TO READ THE CLOCK
The large debt number is an estimate between official Treasury observations. Per-second, per-day and per-person figures are derived from official totals. Observed values retain their own source dates.