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On the XRP Ledger Mainnet, the documented reserve is currently 1 XRP for an account plus 0.2 XRP for each counted owned ledger object. So an ordinary account with no owned objects needs a 1 XRP reserve; the amount rises with its OwnerCount. These XRP are held to satisfy a ledger requirement, not charged as a fee, but transaction fees can still reduce the account balance. Because validators can change reserve settings, check the current validated-ledger values before funding an account.
How the XRP reserve requirement is calculated
For a normal, unsponsored Mainnet account, calculate the reserve as:
Reserve requirement = base reserve + (owner reserve × OwnerCount)
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1Scan for outdated or missing drivers - takes under a minute2Clear out junk files and repair common Windows errors3Fix the driver behind crashes, sound loss and screen glitchesThe XRP Ledger documentation currently lists a 1 XRP base reserve and a 0.2 XRP owner reserve per counted object. OwnerCount is the account’s count of ledger objects for which it is responsible; it is not simply the number of tokens or transactions associated with the account. The account’s specific reserve can differ if sponsorship or special object rules apply. See the [XRPL reserves documentation] and [AccountRoot reference].
| OwnerCount | Arithmetic using documented Mainnet values | Reserve requirement |
|---|---|---|
| 0 | 1 + (0.2 × 0) | 1 XRP |
| 1 | 1 + (0.2 × 1) | 1.2 XRP |
| 5 | 1 + (0.2 × 5) | 2 XRP |
These are examples using the documented parameters, not a promise that every account needs exactly that amount. The reserve is also not a transaction-cost estimate: leave additional XRP available for fees and any objects you plan to create.
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What counts toward OwnerCount
Creating certain ledger objects can increase the reserve requirement. Examples include trust lines, offers, NFT pages, escrows, checks, and signer lists. The relevant measure is the counted ledger entry or object—not necessarily each asset or action individually.
Trust lines
The reserve documentation describes a narrow exception for the first two trust lines: an account funded with exactly the 1 XRP base reserve can create those two without an owner-reserve charge. If the account holds more than 1 XRP, normal reserve charges apply to those first two. Do not treat the exception as a general rule that the first two trust lines are always free. Also, a trust-line entry can count toward one or both connected accounts depending on its state; most often, the token holder bears the reserve and the issuer does not. See the [reserves documentation] and [RippleState reference].
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NFTs and offers
NFT reserve is based on NFT page objects rather than a separate reserve charge for every NFT. Sell offers can add their own owner reserve, and the number of NFTs that fit on a page can vary. The XRPL documentation’s example says a new account with one NFT page and one NFT sell offer requires 1.4 XRP in reserve. It also says minting 200 NFTs and creating a sell offer for each could require as much as 43.6 XRP in reserve under the example’s assumptions. Those figures describe reserve, not transaction fees. See the [NFT reserve explanation].
Sponsorship
A sponsor can take responsibility for another account’s base reserve or an object’s reserve. Sponsorship does not move the sponsored XRP into the user’s wallet; responsibility is tracked on-ledger. As a result, the ordinary base-plus-owner formula may not describe how much the sponsored account itself must hold. Check the account’s sponsorship arrangements and the [Sponsored Fees and Reserves documentation].
What happens if your balance falls below reserve
Reserve XRP is not a separate pool that is permanently locked away: the XRPL documentation says reserve XRP can be used to pay transaction fees. Transaction costs are destroyed, however, so fees reduce the balance. If the balance drops below the account’s current reserve requirement, the account remains on-ledger, but it cannot send XRP or create new objects that would increase its reserve requirement. Consult the [official reserve rules] when planning a transaction that could bring the balance close to the threshold.
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How to check the current reserve and your account’s requirement
- Query an XRPL server that is connected and current. In its
server_inforesponse, readvalidated_ledger.reserve_base_xrpandvalidated_ledger.reserve_inc_xrp. These are reserve values from that server’s validated ledger. The [server_info documentation] explains the response fields. - Read the account’s
OwnerCountfrom its account data. The [AccountRoot reference] describes this account field. - For an ordinary unsponsored account, multiply the owner increment by OwnerCount and add the base reserve. Account separately for sponsorship, special object rules, and transaction costs.
The ledger’s FeeSettings entry records reserve values in drops, and live ledger-stream updates can also expose reserve_base and reserve_inc in drops. See the [FeeSettings reference] and [subscribe documentation].
Why older sources may give a different number
The XRP Ledger Foundation announced that a validator-approved change took effect on 2024-12-02: the base reserve fell from 10 XRP to 1 XRP, and the owner reserve fell from 2 XRP to 0.2 XRP. The announcement was published on 2024-12-12. Older articles may therefore reflect the previous settings. Validators can vote to adjust reserve settings, so even the documented Mainnet values should be checked against a current validated ledger. See the [reserve-change announcement] and [fee voting documentation].
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Mainnet and other XRPL networks
The 1 XRP base and 0.2 XRP owner increment cited here are the documented Mainnet settings. Do not assume they apply to test networks or other XRPL deployments: check the current ledger settings on the network where the account will be used. A wallet brand does not determine the protocol reserve; the network settings, object count, and sponsorship status do.
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