U.S. Debt Default Clock

A visualization of the 12 factors indicating the U.S. government's proximity to default.

Time Until Default

To Midnight

60:00

MinutesSeconds

U.S. Credit Score

493

Very poor

Click for details

Risk Gauge

8/12 Failing

12 Factors Until Default

Click any factor to explore detailed analysis and data

FACTOR #1

Federal Outlays vs. GDP

Federal outlays should not exceed 17.5% of GDP.

FAIL
FACTOR #2

Debt Ceiling Status

A dollar-denominated debt ceiling should be in place and respected.

FAIL
FACTOR #3

Public Debt vs. GDP

Public debt should be below 70% of GDP.

FAIL
FACTOR #4

Interest Payments vs. Revenue

Gross federal interest payments should not exceed 15% of federal revenues.

FAIL
FACTOR #5

Interest Payments vs. New Debt

Gross federal interest payments should not exceed 70% of new debt issuance.

PASS
FACTOR #6

Public Debt vs. Gross Debt

Debt held by the public should not exceed 80% of the gross debt.

FAIL
FACTOR #7

Foreign-Held Debt

Debt held by foreigners should not exceed 50% of public debt.

DISC
FACTOR #8

Short-Term Debt Obligations

Short-term maturities and floating rate obligations should decline from 2018 levels.

FAIL
FACTOR #9

Federal Revenues vs. GDP

Federal revenues should be below 17.5% of GDP.

PASS
FACTOR #10

Real Economic Growth

Real U.S. economic growth should meet or exceed 3% annually.

PASS
FACTOR #11

Treasury "Extraordinary Measures"

Congress should prohibit the Treasury from using "extraordinary measures" to avoid default.

FAIL
FACTOR #12

Mandatory Spending

Congress should scale back programmatic "mandatory spending."

FAIL

Review Committee

Meet the experts in finance, economics, policy, and law who provide oversight and guidance for the Debt Default Clock.

7 Expert MembersFinance & Policy Leaders
Baker Spring
Kevin McKechnie
Daniel Perrin
Jim Claire
Dean Clancy
Kevin E. Miller
Alan P. Dye

Blog & Insights

Expert analysis and commentary on America's fiscal health and debt trajectory

AnalysisJanuary 15, 2026

Why a US Government Debt Default is The Greatest Existential Threat to Social Security's Solvency

An analysis of how government default would catastrophically undermine the Social Security Trust Fund. While much attention has been paid to Social Security's projected 2033 trust fund depletion, these concerns pale in comparison to the catastrophic threat posed by a potential US government debt default.

By Daniel Perrin
Monetary PolicyOctober 30, 2025

Unlock a Trillion Goldfall for the U.S. Treasury, without Issuing New Debt

A Strategic Possibility: Revaluing U.S. Gold Reserves to Expand the Money Supply Through Hypothecation

By Review Committee
AnalysisJanuary 20, 2025

Understanding the 12 Factors of Debt Default Risk

A comprehensive overview of how the Debt Default Clock evaluates America's fiscal health through twelve critical indicators.

By Review Committee

Documents & Archives

Access official press releases, meeting minutes, and historical records from the Review Committee.

13 Press Releases7 Meeting Records

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