B
Evidence Grade B
Graded
accuracy verified by the review judge
Safe to Cite
Current
29%
29% -- share of americans with more credit card debt than emergency savings for US consumers (2026)
According to Bankrate's 2026 Emergency Savings Report, 29% of Americans have more credit card debt than emergency savings.
Attribution:
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Lighthouse Research Team
Last verified:
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Source verified
Evidence graded
Value
29%
Unit
Percentage
Data Vintage
2026
Entity
Evidence Quality
B
Strong, reliable evidence
Sourced from a well-regarded research firm or industry leader with transparent methodology and a reasonably large sample.
Single source - not yet corroborated
Score breakdown
Extraction
75
Source Trust
60
Citation Chain
20
Independence
30
Methodology
45
Freshness
95
Source
Bankrate
Primary
Tier B
https://envelopebudgeting.com/articles/monarch-money-review ↗
Source Article
Monarch Money Review 2026: Is It Worth It?
Monarch Money Review 2026: Is It Worth It?
Honest Monarch Money review for 2026. Features, pricing, pros & cons. Is this budgeting app worth the cost? Find out if it's right for you.
More than half of Americans — 54% — are living paycheck to paycheck in 2026, up from 42% five years ago. That financi…
Original Research
Bankrate
· Original study ↗
Methodology
Attributed to Bankrate's 2026 Emergency Savings Report
Methodology documented
Segmentation
Industrymarketing
Cite this stat
Plain Text
US consumers: 29% share of americans with more credit card debt than emergency savings. Source: Bankrate (2026). Via Lighthouse Intelligence -- https://lighthousedata.io/data/credit-card-debt-exceeds-emergency-savings-2026
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<blockquote cite="https://lighthousedata.io/data/credit-card-debt-exceeds-emergency-savings-2026" style="border-left:3px solid #2563eb;padding:12px 16px;margin:16px 0;font-family:system-ui,sans-serif;background:#f0f4ff;"><strong>29%</strong> -- share of americans with more credit card debt than emergency savings for US consumers<br><small>Source: Bankrate (2026) · <a href="https://lighthousedata.io/data/credit-card-debt-exceeds-emergency-savings-2026" target="_blank" rel="noopener">Lighthouse Intelligence</a></small></blockquote>
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