Annual

S1M.r Households and nonprofit organizations

The Financial Accounts (formerly known as the Flow of Funds accounts) are a set of financial accounts used to track the sources and uses of funds by sector. They are a component of a system of macroeconomic accounts including the National Income and Product accounts (NIPA) and balance of payments accounts, all of which serve as a comprehensive set of information on the economy’s performance.(1) Some important inferences that can be drawn from the Financial accounts are the financial strength of a given sector, new economic trends, changes in the composition of wealth, and development of new financial instruments over time.(1)
Sectors are compiled into three categories: households, nonfinancial businesses, and banks. The sources of funds for a sector are its internal funds (savings from income after consumption) and external funds (loans from banks and other financial intermediaries). (1) Funds for a given sector are used for its investments in physical and financial assets. Dividing sources and uses of funds into two categories helps the staff of the Federal Reserve System pay particular attention to external sources of funds and financial uses of funds.(2) One example is whether households are borrowing more from banks—or in other words, whether household debt is rising. Another example might be whether banks are using more of their funds to provide loans to consumers. Transactions within a sector are not shown in the accounts; however, transactions between sectors are.(2) Monitoring the external flows of funds provides insights into a sector’s health and the performance of the economy as a whole.
Data for the Financial accounts are compiled from a large number of reports and publications, including regulatory reports such as those submitted by banks, tax filings, and surveys conducted by the Federal Reserve System.(2) The Financial accounts are published quarterly as a set of tables in the Federal Reserve’s Z.1 statistical release.
(1) Teplin, Albert M. “The U.S. Flow of Funds Accounts and Their Uses.” Federal Reserve Bulletin, July 2001; http://www.federalreserve.gov/pubs/bulletin/2001/0701lead.pdf.
(2) Board of Governors of the Federal Reserve System. “Guide to the Flow of Funds Accounts.” 2000, http://www.federalreserve.gov/apps/fof/.

For questions on the data, please contact the data source: https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/releases/z1/%
For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/

   

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    1945    
 
 
    2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Change in net worth 		2025 13,106,112 Millions of U.S. Dollars 13,481,914 Millions of U.S. Dollars 13,481,914 Millions of U.S. Dollars Mil. of U.S. $
line 2
Net investment 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 3
Net physical investment 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 4
Capital expenditures 		2025 3,407,783 Millions of U.S. Dollars 3,293,396 Millions of U.S. Dollars 3,293,396 Millions of U.S. Dollars Mil. of U.S. $
line 5
- Consumption of fixed capital 		2025 2,625,894 Millions of U.S. Dollars 2,566,964 Millions of U.S. Dollars 2,566,964 Millions of U.S. Dollars Mil. of U.S. $
line 6
Net lending (+) or net borrowing (-) 		2025 1,400,550 Millions of U.S. Dollars 1,928,861 Millions of U.S. Dollars 1,928,861 Millions of U.S. Dollars Mil. of U.S. $
line 7
Net acquisition of financial assets 		2025 2,109,618 Millions of U.S. Dollars 2,567,030 Millions of U.S. Dollars 2,567,030 Millions of U.S. Dollars Mil. of U.S. $
line 8
- Net increase in liabilities 		2025 709,068 Millions of U.S. Dollars 638,169 Millions of U.S. Dollars 638,169 Millions of U.S. Dollars Mil. of U.S. $
line 9
Holding gains on assets at market value 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 10
Real estate 		2025 738,538 Millions of U.S. Dollars 1,773,140 Millions of U.S. Dollars 1,773,140 Millions of U.S. Dollars Mil. of U.S. $
line 11
Debt securities 		2025 146,938 Millions of U.S. Dollars -51,096 Millions of U.S. Dollars -51,096 Millions of U.S. Dollars Mil. of U.S. $
line 12
Corporate equities 		2025 6,071,145 Millions of U.S. Dollars 6,171,008 Millions of U.S. Dollars 6,171,008 Millions of U.S. Dollars Mil. of U.S. $
line 13
Mutual fund shares 		2025 1,548,609 Millions of U.S. Dollars 1,241,424 Millions of U.S. Dollars 1,241,424 Millions of U.S. Dollars Mil. of U.S. $
line 14
Equity in noncorporate business 		2025 208,133 Millions of U.S. Dollars 152,118 Millions of U.S. Dollars 152,118 Millions of U.S. Dollars Mil. of U.S. $
line 15
Life insurance reserves 		2025 49,181 Millions of U.S. Dollars 42,902 Millions of U.S. Dollars 42,902 Millions of U.S. Dollars Mil. of U.S. $
line 16
Pension entitlements 		2025 1,616,133 Millions of U.S. Dollars 1,502,196 Millions of U.S. Dollars 1,502,196 Millions of U.S. Dollars Mil. of U.S. $
line 17
Equity investment under PPIP 		2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 18
Holding gains on assets at current cost 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 19
Consumer durable goods 		2025 139,868 Millions of U.S. Dollars -89,959 Millions of U.S. Dollars -89,959 Millions of U.S. Dollars Mil. of U.S. $
line 20
Equipment 		2025 20,458 Millions of U.S. Dollars 12,109 Millions of U.S. Dollars 12,109 Millions of U.S. Dollars Mil. of U.S. $
line 21
Intellectual property products 		2025 4,898 Millions of U.S. Dollars 5,338 Millions of U.S. Dollars 5,338 Millions of U.S. Dollars Mil. of U.S. $
line 22
Other volume changes 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
Memo:
line 23
Net worth outstanding 		2025 182,866,812 Millions of U.S. Dollars 169,760,700 Millions of U.S. Dollars 169,760,700 Millions of U.S. Dollars Mil. of U.S. $
line 24
Disposable personal income 		2025 22,866,177 Millions of U.S. Dollars 21,917,659 Millions of U.S. Dollars 21,917,659 Millions of U.S. Dollars Mil. of U.S. $
   

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