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Household Income & Spending
Balancing restarted student loan payments and a mortgage: How will household budgets adapt?
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Household Income & Spending
Household Pulse: Balances through October 2023
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Household Income & Spending
The Purchasing Power of Household Incomes: Worker outcomes through August 2023 by income and race
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Household Income & Spending
Household Pulse: Balances through March 2023
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Household Income & Spending
Household Cash Buffer Management from the Great Recession through COVID-19
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Household Debt
Measuring the gap: Refinancing trends and disparities during the COVID-19 pandemic
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Research
Household Pulse & Cash Buffer Management throughout the pandemic
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Household Debt
The potential borrower impact of proposed IDR reforms
JPMorgan Chase Institute Take
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Small Business
Cash or credit: Small business use of credit cards for cash flow management
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Cities and Local Communities
Downtown Downturn: The Covid Shock to Brick-and-Mortar Retail
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Financial Markets
The Dynamics and Demographics of U.S. Household Crypto-Asset Use
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Household Income & Spending
How families used the advanced Child Tax Credit
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Household Income & Spending
The Purchasing Power of Household Incomes from 2019 to 2022
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Household Income & Spending
Household Pulse through June 2022: Gains for most, but not all
Last Updated with June 2022 data
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Research
Who benefits from the 2022 student debt cancellation?
JPMorgan Chase Institute
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Household Income & Spending
Expanding Access to Unemployment Insurance
Spending and Job-Finding Impacts of Expanded Unemployment Benefits
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Household Income & Spending
Credit and the Family: The Economic Consequences of Closing the Credit Gap of US Couples
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Household Debt
Income Driven Repayment: Who needs student loan payment relief?
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Household Income & Spending
Household Pulse: The State of Cash Balances through March 2022
Last Updated with March 2022 data
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Healthcare
Healthcare spending through the Pandemic: the impact of high-cost medical events on household finances
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Household Income & Spending
Racial Income Inequality Dynamics
Big Data Insights from 2013 through COVID-19
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Small Business
Small business owner liquid wealth at firm startup and exit
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Household Income & Spending
Rising prices for fuel, rent, and food eat into families’ financial gains
JPMorgan Chase Institute Take
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Household Income & Spending
Lessons learned from the Pandemic Unemployment Assistance Program during COVID-19
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Cities and Local Communities
Post-COVID Consumer Spending in New York City
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Financial Markets
Reading Inflation Expectations from the Treasury Market
Insights from Institutional Investor Trading Activity
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Labor Markets
What do Fed rate hikes mean for U.S. households’ financial health?
JPMorgan Chase Institute Take
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Household Income & Spending
Household Pulse: The State of Cash Balances at Year End
Last Updated with December 2021 data
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Research
Will this tax season be a boost or bust?
JPMorgan Chase Institute Take
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Research
Year in Review: 10 Key charts that summarize 2021
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Small Business
Did the Paycheck Protection Program Support Small Business Activity?
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Cities and Local Communities
The COVID Shock to Online Retail: The persistence of new online shopping habits and implications for the future of cities
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Household Income & Spending
Household Cash Balance Pulse: Family Edition
Last updated with September 2021 data
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Household Debt
How did landlords fare during COVID?
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Labor Markets
The Online Platform Economy through the Pandemic
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Household Income & Spending
How did the distribution of income growth change alongside the hot pre-pandemic labor market and recent fiscal stimulus?
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Household Income & Spending
Household Finances Pulse: Cash Balances during COVID-19
Last updated with July 2021 data
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Labor Markets
The Governor’s choice: Continue or end expanded unemployment benefits?
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Household Income & Spending
Spending after Job Loss from the Great Recession through COVID-19
The Roles of Financial Health, Race, and Policy
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Household Income & Spending
When unemployment insurance benefits are rolled back
Impacts on job finding and the recipients of the Pandemic Unemployment Assistance Program
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Household Income & Spending
Financial outcomes by race during COVID-19
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Small Business
Small Business Finances in Illinois during the COVID-19 Pandemic
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Cities and Local Communities
The Local Commerce Data Series
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Household Income & Spending
Family cash balances, income, and expenditures trends through 2021
A distributional perspective
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Cities and Local Communities
Retail Spending Response to Local Conditions during COVID-19
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Cities and Local Communities
Local Commerce Data Series: Pandemic Spending
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Household Debt
Balancing accessibility and fraud prevention in housing assistance
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Household Debt
Who Benefits from Student Debt Cancellation?
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Research
Renters vs. Homeowners
Income and Liquid Asset Trends during COVID-19
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Small Business
Small business ownership and liquid wealth
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Household Income & Spending
The First 100 Days and Beyond
Data-Driven Policies to Support Inclusive Economic Recovery and Equitable Long-Term Growth
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Household Income & Spending
Unemployment insurance, job search, and spending during the pandemic
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Small Business
The Paycheck Protection Program
Small Business Balances, Revenues, and Expenses in the Weeks after Loan Disbursement
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Financial Markets
The Stock Market and Household Financial Behavior
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Household Income & Spending
Household Cash Balances during COVID-19: A Distributional Perspective
JPMorgan Chase Institute Take
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Household Income & Spending
The New Year’s Cliff: How the Expiration of Unemployment Benefits Will Affect Families
The New Year’s Cliff: How the Expiration of Unemployment Benefits Will Affect Families
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Household Debt
Tapping Home Equity
Income and Spending Trends Around Cash-Out Refinances and HELOCs
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Household Debt
Did Mortgage Forbearance Reach the Right Homeowners?
Income and Liquid Assets Trends for Homeowners during the COVID-19 Pandemic
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Small Business
Small Business Expenses during COVID-19
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Cities and Local Communities
Home Advantage? Resident Retail Distances and Small Business Financial Outcomes
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Labor Markets
The unemployment benefit boost: Initial trends in spending and saving when the $600 supplement ended
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Household Debt
Student Loan Debt: Who is Paying it Down?
Evidence from administrative banking data, credit bureau student loan data, and public records on race
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Cities and Local Communities
Data Dialogue: The Initial Impact of COVID-19 on Consumer Spending and Local Economies
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Small Business
Small Business Owner Race, Liquidity, and Survival
Racial Gaps in Small Business Outcomes
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Small Business
Small Business Financial Outcomes during the COVID-19 Pandemic
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Labor Markets
Report Consumption Effects of Unemployment Insurance during the COVID-19 Pandemic
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Labor Markets
Consumption Effects of Unemployment Insurance during the COVID-19 Pandemic
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Cities and Local Communities
The Early Impact of COVID-19 on Local Commerce Report
Changes in Spend Across Neighborhoods and Online
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Financial Markets
Fed watchers now turn their attention to September
JPMorgan Chase Institute Take
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Household Debt
The Housing Wealth Effect in the Post-Great Recession Period
Evidence from Big Data
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COVID-19
Initial Impacts of the Pandemic Reflect that Families Changed their Saving and Spending Behavior
JPMorgan Chase Institute Take
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Small Business
Small Business Financial Outcomes during the Onset of COVID-19
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Household Income & Spending
Data Dialogue: National Urban League, PolicyLink, and the Joint Center for Political and Economic Studies Discuss Racial, Economic, and Social Equity
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Cities and Local Communities
The Early Impact of COVID-19 on Local Commerce
Changes in Spend Across Neighborhoods and Online
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Small Business
Data Dialogue: The Economic Impacts of COVID-19 on Small Business
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COVID-19
The Initial Household Spending Response to COVID-19 Part 2
Evidence from Credit Card Transactions - Part 2
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Financial Markets
Tracking Spillovers During the Taper Tantrum
Evidence from Institutional Investor Transactions in Emerging Markets
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COVID-19
The Initial Household Spending Response to COVID-19
Evidence from Credit Card Transactions
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Cities and Local Communities
How COVID-19 is impacting local economies and small businesses
JPMorgan Chase Institute Take
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Small Business
A Cash Flow Perspective on the Small Business Sector
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Household Income & Spending
Racial Gaps in Financial Outcomes
Big Data Evidence
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Household Income & Spending
How COVID-19 could widen racial gaps in financial outcomes
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Household Debt
Forbearance for mortgages a short-term solution; savings programs for the long term
JPMorgan Chase Institute Take
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Small Business
Small Business Cash Liquidity in 25 Metro Areas
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Labor Markets
Expanded unemployment insurance may lessen impact of layoffs
JPMorgan Chase Institute take
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Household Income & Spending
Who benefits from a tax-payment deadline extension?
JPMorgan Chase Institute Take
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Household Income & Spending
Coronavirus may impact workers' income volatility
JPMorgan Chase Institute Take
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Small Business
Quick liquidity to small businesses could mitigate impacts from coronavirus
JPMorgan Chase Institute Take
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Household Income & Spending
Tax Refunds and Household Spending
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Household Income & Spending
The potential economic impacts of COVID-19 on families, small businesses, and communities
Insights from five years of big data research
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Small Business
Small Business Financial Outcomes in Miami Communities
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Healthcare
The Gender Gap: Exploring Consumer and Small Business Financial Health
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Healthcare
Financial and Physical Health in a Changing Healthcare Market
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Labor Markets
Bridging the Gap
How Families Use the Online Platform Economy to Manage their Cash Flow
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Household Income & Spending
Weathering Volatility 2.0
A Monthly Stress Test to Guide Savings
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Small Business
Place Matters
Small Business Financial Health in Urban Communities
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Household Income & Spending
In Conversation: Experts on Student Loan Payments and JPMC Institute Research
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Small Business
Facing Uncertainty
Small Business Cash Flow Patterns in 25 U.S. Cities
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Household Income & Spending
Data and Collaboration for Good
The JPMorgan Chase Institute 2nd Annual Conference on Economic Research
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Household Debt
Student Loan Payments
Evidence from 4 Million Families
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Household Debt
Trading Equity for Liquidity
Bank Data on the Relationship Between Liquidity and Mortgage Default
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Cities and Local Communities
The San Francisco Economy
Household and Small Business Financial Outcomes
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Small Business
How Data Can Improve the Financial Health of U.S. Small Businesses
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Small Business
The Small Business Sector in Urban America
Growth and Vitality in 25 Cities
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Labor Markets
The Online Platform Economy in 27 Metro Areas
The Experience of Drivers and Lessors
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Labor Markets
Technology and the Future of Work
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Household Income & Spending
Tax Time
How Families Manage Tax Refunds and Payments
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Small Business
Gender, Age, and Small Business Financial Outcomes
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Financial Markets
Does the Timing of Central Bank Announcements Matter?
Trade-Level Data on Hedge Fund Behavior Before Swiss National Bank Meetings
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Cities and Local Communities
Local Commerce Index
The Local Commerce Index (LCI) is a measure of the monthly year-over-year growth rate of everyday debit and credit card spending by over 64 million de-identified Chase customers across 14 metro areas in the US. The LCI is an alternative view of the health and vibrancy of the US consumer.
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Household Income & Spending
Estimating Family Income from Administrative Banking Data
A Machine Learning Approach
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Healthcare
Deferred Care
How Tax Refunds Enable Healthcare Spending
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Cities and Local Communities
Shopping Near and Far: Local Commerce in the Digital Age
Insights from 4 Billion Transactions across the United States
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Labor Markets
Measuring the Online Platform Economy
How Banking and Survey Data Compare
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Household Debt
Falling Behind
Bank Data on the Role of Income and Savings in Mortgage Default
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Healthcare
On the Rise
Out-of-Pocket Healthcare Spending in 2017
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Labor Markets
The Online Platform Economy in 2018
Drivers, Workers, Sellers, and Lessors
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Household Income & Spending
JPMorgan Chase Institute 2018 Inaugural Conference on Economic Research
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Small Business
Growth, Vitality, and Cash Flows
High-Frequency Evidence from 1 Million Small Businesses
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Labor Markets
Where are all the Contingent Workers?
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Financial Markets
FX Markets Move on Surprise News
Institutional Investor Trading Behavior around Brexit, the U.S. Election, and the Swiss Franc Floor
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Healthcare
Filing Taxes Early, Getting Healthcare Late
Insights from 1.2 Million Households
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Healthcare
Healthcare When It’s Needed
How to Mitigate High Costs and Deferred Care
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Cities and Local Communities
The Commercial Vibrancy of Chicago Neighborhoods, 2016
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Small Business
Bend, Don’t Break
Small Business Financial Resilience After Hurricanes Harvey and Irma
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Cities and Local Communities
Weathering the Storm
The Financial Impacts of Hurricanes Harvey and Irma on One Million Households
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Cities and Local Communities
Local Consumer Commerce in the Wake of a Hurricane
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Healthcare
Institute Insights for Open Enrollment
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Household Debt
Mortgage Modifications after the Great Recession
New Evidence and Implications for Policy
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Small Business
Paying a Premium
Dynamics of the Small Business Owner Health Insurance Market
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Small Business
Younger and Lower Income Consumers Drive Small Business Spending
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Healthcare
Coping with Medical Costs through Life
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Healthcare
Paying Out-of-Pocket
The Healthcare Spending of 2 Million U.S. Families
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Small Business
Mapping Segments in the Small Business Sector
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Healthcare
The Gender Gap in Financial Outcomes
The Impact of Medical Payments
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Household Debt
The Consumer Spending Response to Mortgage Resets
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Household Debt
The Consumer Spending Response to Mortgage Resets Report
Microdata on Monetary Policy
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Household Income & Spending
The Monthly Stress-Test on Family Finances
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Cities and Local Communities
Consumption Inequality
What’s in Your Shopping Basket?
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Cities and Local Communities
Going the Distance
Big Data on Resident Access to Everyday Goods
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Cities and Local Communities
Seniors Lead the Slowdown in Local Consumer Commerce
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Household Income & Spending
Why Managing Expenses Is Not an Easy Task
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Healthcare
Coping with Costs
Big Data on Expense Volatility and Medical Payments
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Small Business
The Ups and Downs of Small Business Employment
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Small Business
The Ups and Downs of Small Business Employment Report
Big Data on Payroll Growth and Volatility
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Labor Markets
Is the Online Platform Economy the Future of Work?
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Labor Markets
The Online Platform Economy
Has Growth Peaked?
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Cities and Local Communities
Shedding Light on Daylight Saving Time
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Small Business
For Small Businesses: Cash is King
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Cities and Local Communities
Big Spend on the Weekend:
The Local Consumer Commerce Index declined in May
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Small Business
Cash is King: Flows, Balances, and Buffer Days
Evidence from 600,000 Small Businesses
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Labor Markets
Past 65 and Still Working
Big Data Insights on Senior Citizens’ Financial Lives
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Household Income & Spending
A Year of Low Gas Prices: The Consumer Response in 15 Metro Areas
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Household Income & Spending
The Consumer Response to Lower Gas Prices
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Household Income & Spending
The Consumer Response to a Year of Low Gas Prices
Evidence From 1 Million People
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Small Business
Good Things Come in Small (Business) Packages
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Labor Markets
The Online Platform Economy: Who earns the most?
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Household Income & Spending
Taking the Financial Stress Out of Tax Time
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Cities and Local Communities
The Local Consumer Commerce Index
How did everyday spending fare in December 2015?
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Labor Markets
Understanding Income Volatility and the Role of the Online Platform Economy
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Cities and Local Communities
Dining Out or Eating In: Where does your city rank?
Spending Growth at Restaurants
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Cities and Local Communities
Consumption Inequality: Where does your city rank?
Spending by the Top Income Quintile
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Cities and Local Communities
Travel for Business or Pleasure: Where does your city rank?
Share of Spending by Visitors to the Metro Area
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Labor Markets
Paychecks, Paydays, and the Online Platform Economy
Big Data on Income Volatility
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Labor Markets
The Online Platform Economy Trajectory
What is the growth trajectory?
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Household Income & Spending
Recovering from Job Loss
The Role of Unemployment Insurance
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Cities and Local Communities
Economic Contributions by Seniors
Spending by Consumers 65 years and Older
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Cities and Local Communities
Big Data to Build Sharper Profiles of Consumer Commerce at the City Level
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Cities and Local Communities
Boutiques or Big Box Stores: Where does your city rank?
Share of Spending at Small and Medium Enterprises
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Cities and Local Communities
Profiles of Local Consumer Commerce
Insights from 12 Billion Transactions in 15 U.S. Metro Areas
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Household Income & Spending
How Falling Gas Prices Fuel the Consumer
Evidence From 25 Million People
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Household Income & Spending
Weathering Volatility
Big Data on the Financial Ups and Downs of U.S. Individuals
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Small Business
Small Business Data Resources
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Small Business
Diverse Ownership
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Small Business
Longevity
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Small Business
Innovation
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Small Business
Business Dynamism
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Small Business
Regional Employment
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Small Business
Economic Activity
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Household Income & Spending
Where did recent gas price declines affect consumers the most?
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Healthcare
JPMCI HOSP Geographic Data Visualization Tool
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Financial Markets
Major Market Events Data Visualization Tool
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Household Income & Spending
Infographic: How Falling Gas Prices Fuel the Consumer
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Household Income & Spending
Infographic: Weathering Volatility
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Small Business
Small Business Data Dashboard
Small businesses are an economically important component of the US economy and a key driver of production, employment, and growth.
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Household Income & Spending
How Much Cash Buffer Do You Need?
Data Visualization