See where your money could work harder.
Savings is just one of four.
You’ve already seen your savings gap above. The full Money Map also checks debt, mortgage, and cards, then ranks every opportunity by estimated dollar impact, so you act on the biggest one first.
What a Money Map checks
Every gap, ordered by dollars.
The full scan turns your savings, debt, mortgage, and card details into one prioritized list, your highest-impact move first, with the exact next step for each.
- 1Share rough numbers for each area
- 2See every gap sized in dollars per year
- 3Act on the biggest one first
About 90 seconds · No account · No credit pull
An example: $2,740 a year, hiding in plain sight.
A sample household with $32,000 in savings had three ranked opportunities. Money Map keeps the output short: what to fix, what it is worth, and what to do first.
Your own scan uses your real numbers.
Run my Money MapIllustrative example. Idle-cash figure uses today’s live rates (0.38% vs 4.20% APY); your actual Money Map is built from the balances you enter.
Updated rates from 150+ institutions.
See rate tables →See current opportunities across cash, debt, mortgage, and cards — then use Money Map to rank what matters for you.
Best rates from online banks
Lock in yield with FDIC-insured CDs
High rates plus flexible access
Best available APR
Best rate from 50+ lenders
Rewards and balance-transfer fit
Recent rate moves.
Trailing 30-day change, largest moves first · from 150+ tracked institutions
Ideas from the people who got this right.
Real principles from Buffett, Munger, Dimon, and others — translated into the money decision you’re facing this week.
Ask who earns money from your yes.
A bank paying you a below-market rate isn't committing fraud — it's relying on your inertia, the same incentive gap Buffett describes when insiders benefit from owners who never check the numbers. Your bank's incentive is to keep your rate low. Yours is to earn what's actually available.
Educational commentary only. None of the individuals referenced are affiliated with or endorsing SwitchWize. Principles are drawn from public shareholder letters and public record — SwitchWize’s editorial interpretation, not a direct quotation attributed as speech.
Rate sites show options. SwitchWize tells you what to do next.
In about 90 seconds, Money Map turns your savings, debt, mortgage, and card habits into a ranked action list. The goal is not more browsing; it is the highest-impact move first.
Shows options and reviews so you can research products.
Shows rates and market tables so you can compare offers.
Finds your best next financial move and ranks it by dollar impact.
Money Map checks more than savings. It ranks opportunities across savings, debt, cards, and mortgage so your next step is clear.
Run My Money Map →Traditional savings at 0.38% vs 4.20% available. That's a real leak on every dollar sitting still.
See savings rates →How it works
Tell us roughly how much you have in savings, your mortgage rate, and what cards you carry. No login required.
We compare your numbers against 150+ institutions across savings, debt, mortgage, and cards.
Opportunities are ranked by estimated annual dollar impact — your highest-value move is always first.
Free tools that turn your numbers into clear decisions.
Cash Efficiency Score
Savings yield, card rewards, and account fees combined into a 300-850 score.
Financial Health Score
Net worth, debt, savings rate, and retirement pace — benchmarked against U.S. households your age.
Track the accounts you care about. We’ll email you when they move.
Pick categories to watch. We check every morning and only write to you when a rate you’re watching actually changes.
✓ One email per change, not per day · ✓ Unsubscribe in one click · ✓ No affiliate bias
Track a specific bank instead →Illustrative: on every $10,000 you keep in savings, a move like this is worth about $15/yr more. Your real alert email shows your own tracked accounts.
Whose Interests a Rewards Checking Account's High-Rate Requirement Actually Serves
John Bogle's published emphasis on asking whose interests a financial structure actually serves, applied to a rewards checking account's advertised high rate and the specific monthly requirements that gate it.
Read essay →A fee that grows with your balance is not a flat cost.
John Bogle's published cost-matters principle, applied to a business bank account whose fees scale with a growing balance, quietly costing more in dollar terms as the business succeeds.
Read essay →Retirement Savings 2026: Build a Plan That Actually Lasts
A complete guide to retirement savings 2026 covering how much to save, which accounts to use, catch-up strategies for late starters, and tax-smart withdrawals.
Read guide →The 2027 401(k) Limit Isn't Official Yet. Expect $25,500, Based on the Trend.
The IRS won't confirm 2027 retirement contribution limits until November. Based on the public formula and this year's inflation data, we can already predict them.
Read guide →Your 5-Year CD Pays Almost Nothing Extra to Lock Up Four More Years
The gap between a 1-year and a 5-year CD has shrunk to about 5 basis points. Here is what a nearly flat CD curve means and why locking up money longer isn't buying you anything right now.
Read guide →Fidelity vs Vanguard vs Schwab 2026: Which Brokerage Wins?
Fidelity vs Vanguard vs Schwab 2026: compare fees, cash sweep rates, account types, trading tools, and more to pick the right brokerage for your goals.
Read guide →Questions
Frequently asked questions
What SwitchWize is, how it stays free, and how the rankings work.
Is SwitchWize free to use?
How does SwitchWize make money?
Are SwitchWize’s rates real and up to date?
How many financial institutions does SwitchWize track?
Does using SwitchWize affect my credit score?
What is Money Map?
Do I have to link my bank accounts?
How is SwitchWize different from NerdWallet or Bankrate?
Are SwitchWize’s rankings paid or sponsored?
How often are rates updated?
Does SwitchWize sell my personal data?
Can SwitchWize help with more than savings accounts?
Money Map checks savings, debt, cards, and mortgage, then ranks your best next move by estimated dollar impact.
Run My Money MapAbout how much cash do you keep in savings or checking?
What a full scan finds.
Illustrative example. Idle-cash uses today’s live rates (0.38% vs 4.20% APY).
Today’s best rates.
Calculators
Start with the right tool.
Recent rate moves.
Ideas from the people who got this right.
Real principles from Buffett, Munger, Dimon, and others — translated into the money decision you’re facing this week.
Ask who earns money from your yes.
A bank paying you a below-market rate isn't committing fraud — it's relying on your inertia, the same incentive gap Buffett describes when insiders benefit from owners who never check the numbers. Your bank's incentive is to keep your rate low. Yours is to earn what's actually available.
Educational commentary only. None of the individuals referenced are affiliated with or endorsing SwitchWize. Principles are drawn from public shareholder letters and public record — SwitchWize’s editorial interpretation, not a direct quotation attributed as speech.
Free tools that turn your numbers into clear decisions.
Rate Gap Calculator
See how much your bank is costing you.
Takes 60 secMortgage Calculator
Monthly cost, total interest, amortization.
Long-term planningRetirement Number
How much you actually need to retire.
Options are not the same as a next move.
Practical guides tied to real money decisions.
This month’s Bank Gap Index is out →Whose Interests a Rewards Checking Account's High-Rate Requirement Actually Serves
A fee that grows with your balance is not a flat cost.
Retirement Savings 2026: Build a Plan That Actually Lasts
The 2027 401(k) Limit Isn't Official Yet. Expect $25,500, Based on the Trend.
Common questions.
Is SwitchWize free to use?
How does SwitchWize make money?
Are SwitchWize’s rates real and up to date?
How many financial institutions does SwitchWize track?
Does using SwitchWize affect my credit score?
What is Money Map?
Do I have to link my bank accounts?
How is SwitchWize different from NerdWallet or Bankrate?
Are SwitchWize’s rankings paid or sponsored?
How often are rates updated?
Does SwitchWize sell my personal data?
Can SwitchWize help with more than savings accounts?
Track the accounts you care about.
We’ll email you the day a rate you pick actually changes.