Market dataHigh-yield savings up to 4.40% APY · 30-yr mortgage 6.72% APRIndependent rankings·No paid organic rankings·Rate data reviewed regularly
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Money Map diagnostic

Your bank may be costing you thousands.

Money Map checks savings, debt, cards, and mortgage, then ranks your best next move by estimated dollar impact.

$2,010
possible yearly gain on $50k
4
money areas checked
90s
no account needed
✓ No account required✓ No credit pull✓ Transparent methodology
Run My Money Map
Savings rate opportunity Live
$2,010/ year

Based on your selected savings balance and today’s top available APY.

Selected balance
$0$250K$500K
Typical bank
0.38% APY
Top rate
4.40% APY
Rate gap: 4.02 pts. No login required.How we calculate this
Money Map · The full scan

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.

150+
institutions monitored
$2,010/yr
current $50k savings gap
Live
rates pulled from current market data
No pull
credit score unaffected

What a Money Map checks

Savings
Rate gap and idle cash
Estimated above
Cards
Rewards and balance-transfer fit
Full scan
Mortgage
Rate fit and refinance review
Full scan
Debt
APR, payoff, consolidation
Full scan
✓ No account required✓ No credit pull✓ 90 seconds
One ranked action list

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.

  1. 1Share rough numbers for each area
  2. 2See every gap sized in dollars per year
  3. 3Act on the biggest one first
Run the full Money Map

About 90 seconds · No account · No credit pull

Illustrative example

An example: $2,805 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 Map
Leaks foundSample household · $32,000 cash
OpportunityAnnual gain
Savings
Move idle cash to high-yield savings
$1,285
Mortgage
Check refinance break-even
$1,280
Credit card
Match rewards to spending
$240
Total recovery$2,805

Illustrative example. Idle-cash figure uses today’s live rates (0.38% vs 4.40% APY); your actual Money Map is built from the balances you enter.

Updated rates from 150+ institutions.

See rate tables →
Featured cash move
High-Yield Savings
4.40%APY

Best rates from online banks

Earn $2,010/yr more on $50k
Compare savings →
Secondary cash option
12-Month CDs
4.20%APY

Lock in yield with FDIC-insured CDs

Earn $420/yr on $10k
Secondary cash option
Money Market
4.15%APY

High rates plus flexible access

Earn $2,075/yr on $50k
Live
Personal Loans
5.99%APR

Best available APR

vs. 20%+ avg credit card APR
Live
30-yr Mortgage
5.57%APR

Best rate from 50+ lenders

~$242/mo less vs. 6.72% avg on $350k
Live
Credit Cards
Compare

Rewards and balance-transfer fit

Rank by real annual value
Why people use SwitchWize

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.

NerdWallet

Shows options and reviews so you can research products.

Research list
Bankrate

Shows rates and market tables so you can compare offers.

Rate table
SwitchWize

Finds your best next financial move and ranks it by dollar impact.

Ranked next move
Run My Money Map
Why the scan is useful
$1,005/yr
Leak on $25k sitting in a typical bank account
150+
Institutions reviewed for rates and offers
No bias
Independent — no paid organic rankings
Daily
Rate data reviewed and updated regularly
📍
Full checkup

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 →
⚡
Today's leak

Traditional savings at 0.38% vs 4.40% available. That's a real leak on every dollar sitting still.

See savings rates →

How it works

1
Enter balances and goals

Tell us roughly how much you have in savings, your mortgage rate, and what cards you carry. No login required.

2
SwitchWize checks opportunities

We compare your numbers against 150+ institutions across savings, debt, mortgage, and cards.

3
Get ranked recommendations

Opportunities are ranked by estimated annual dollar impact — your highest-value move is always first.

Calculators

Free tools that turn your numbers into clear decisions.

All calculators →
Most used

Rate Gap Calculator

See how much your bank is costing you.

Use tool →
Takes 60 sec

Mortgage Calculator

Monthly cost, total interest, amortization.

Use tool →
Long-term planning

Retirement Number

How much you actually need to retire.

Use tool →
Also available:Debt PayoffRefinance Break-EvenFIRESavings GoalNet Worth+ 35 more →
New tool

How am I doing?

Get a personalized financial health score in 60 seconds — emergency cushion, debt, net worth vs. your age. No account, no credit pull.

Get my score
Weekly Money Leak Alert

Get notified when better rates appear.

Today’s $50k savings gap is about $2,010/yr. We’ll send one low-volume alert when rates or offers create a meaningful new opportunity.

Newsletter

Weekly Money Leak Alert

See if better savings, CD, mortgage, loan, or card offers appear. One useful email, no spam.

No spam. Unsubscribe anytime.

Learn

Practical guides tied to real money decisions.

Read guides →
savings6 min read

The Best High-Yield Savings Account for a Kid or Teen in 2026

A child's savings account at a big bank pays near zero, and over a long runway that gap compounds into real money. Here is how to put a kid's cash in a high-yield account, and the tax line to watch.

Read guide →
savings6 min read

Cash Management Account vs High-Yield Savings: Which Holds Your Cash Best in 2026?

Cash management accounts from brokers promise high FDIC coverage and integration. A high-yield savings account usually pays a touch more. Both beat the default brokerage sweep, which is the real cash drain.

Read guide →
savings6 min read

How to Keep $500,000 in Cash Fully FDIC Insured and Still Earn the Top Rate

FDIC insurance covers $250,000 per depositor, per bank, per ownership category. Here is how to insure a large cash balance in full while it earns the best available rate, not 0.40%.

Read guide →

Questions

Frequently asked questions

What SwitchWize is, how it stays free, and how the rankings work.

Is SwitchWize free to use?
Yes. Every tool on SwitchWize — rate comparisons, calculators, and Money Map — is free, and you do not need an account to see your results.
How does SwitchWize make money?
SwitchWize earns a referral fee when you click through to a partner and open a product. This never changes our organic rankings — a product that pays us more does not rank higher. We disclose this on every offer.
Are SwitchWize’s rates real and up to date?
Yes. We monitor rates daily. Rates are collected from official provider pages where available and cross-checked against trusted third-party sources. Every product shows when it was last reviewed.
How many financial institutions does SwitchWize track?
SwitchWize reviews rates and products across 150+ U.S. financial institutions, spanning savings, CDs, checking, mortgages, HELOCs, personal and auto loans, and credit cards.
Does using SwitchWize affect my credit score?
No. Browsing rates, running calculators, and using Money Map never trigger a credit check. Only applying for a credit product directly with a lender involves a hard inquiry.
What is Money Map?
Money Map is SwitchWize’s free 90-second diagnostic. It scans your savings, mortgage, cards, and debt, estimates the annual dollars you are leaving on the table, and ranks your highest-value next move. No account linking required.
Do I have to link my bank accounts?
No. SwitchWize does not connect to your bank or pull your transactions. You enter a few approximate numbers yourself, so there is no account linking and no data-sharing with your bank.
How is SwitchWize different from NerdWallet or Bankrate?
SwitchWize quantifies the dollar cost of your current setup — your Bank Gap and Inertia Tax — instead of only listing products. It also publishes switching-friction labels and a transparent, category-specific ranking methodology with no paid organic placements.
Are SwitchWize’s rankings paid or sponsored?
Organic rankings are never sold. They are determined by rate, fees, minimums, trust, and switching friction. Any sponsored placement is clearly labeled and shown separately from the editorial ranking.
How often are rates updated?
Daily. Rates are collected from official provider pages where available and cross-checked against trusted third-party sources. Any rate move of 10 basis points or more triggers a manual review.
Does SwitchWize sell my personal data?
No. SwitchWize does not sell your personal information. See our privacy policy for exactly what is collected and how it is used.
Can SwitchWize help with more than savings accounts?
Yes. Beyond high-yield savings and CDs, SwitchWize covers mortgages and refinancing, HELOCs, personal and auto loans, and credit cards — including balance-transfer and rewards cards — with calculators and live rate comparisons for each.
Get started

Stop leaving money behind.

See the first money move worth making. Free, no account required.

Run My Money Map
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