SwitchWizeFinancial Decisions, Made Clearer
New

Earnings Credit Rate (ECR) Calculator

Find the average balance your business checking account needs to fully offset its monthly fees at your bank-quoted ECR, and see the after-tax value of sweeping any balance above that into a taxable commercial sweep or money market fund.

Quick answer: Find the average balance your business checking account needs to fully offset its monthly fees at your bank-quoted ECR, and the after-tax value of sweeping any balance above that into a taxable commercial sweep or money market fund. Enter Average collected balance, Monthly account fees, ECR rate, and Alternative sweep rate to personalize the estimate. It returns Balance needed to offset fees, Excess balance earning nothing, and After-tax value of sweeping the excess so you can compare the impact before choosing a next step. Use it to compare payment, APR, total cost, credit impact, and lender or card tradeoffs.

SWReviewed by SwitchWize Research Desk · Last reviewed August 28, 2026
Balance Needed to Fully Offset Fees
$243,333
Balance Needed to Fully Offset Fees
$243,333
ECR Credit This Period
$46
Fees Actually Offset
$46
Balance Earning Nothing Beyond Fee Coverage
$0
Diagnostic

Your account needs about $243,333 on deposit to fully offset $150/month in fees at a 0.75% ECR.

Above that, $0 is earning nothing beyond fee coverage — sweeping it could be worth about $0 more per year after tax.

Compare business checking options
Share this result

At a 0.75% ECR, it takes $243,333 in this account to fully offset $150/month in fees — anything above that could be earning $0 more per year after tax.

What to do next

Compare business checking options

Your action plan
  1. 1

    Review the risk level and primary pressure point

    Find the average balance your business checking account needs to fully offset its monthly fees at your bank-quoted ECR, and the after-tax value of sweeping any balance above that into a taxable commercial sweep or money market fund.

  2. 2

    Pressure-test one alternate scenario before deciding

    Assumptions change the answer, especially when rates, taxes, or timing matter.

  3. 3

    Use the linked guide or product page for the next step

    Turn the result into a prioritized action instead of treating it as a one-off number.

Compare business checking options

This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

Calculator action path

Turn this result into a decision

Every SwitchWize calculator connects to a product comparison, rate context, guidance, alerts, and Money Map.

Rate authority hub
Compare
You could gain ~$243,333/yr — compare nowMove from calculation to current product options.
Guide
What Is an Earnings Credit Rate? A Business Owner's Guide to ECR (2026)An Earnings Credit Rate offsets business checking fees instead of paying interest, and it is not taxed the way interest is. Here is how ECR is calculated, where it came from, and how to tell when you are keeping too much cash in the account to get it.
Money Map
Map this $243,333/yr opportunitySave this opportunity and see how it fits your broader money plan.
Top savings picks

Reviewed Aug 29, 2026 · Methodology

See all →
TB
TAB Bank
FDICNo minChecked Aug 29, 2026
2.75%APY
Open Account
UFB Direct
FDICNo minChecked Aug 29, 2026
2.00%APY
Open Account
Zynlo Bank
FDICNo minChecked Aug 29, 2026
2.00%APY
Open Account

Advertising disclosure: SwitchWize may earn a referral fee if you open an account through a link above. This does not affect our rankings. Ranked using the SwitchWize methodology. Learn more

Free to embed

Add this calculator to your site

Paste this snippet into any page. No account or API key required, the widget is responsive, and it updates with live rates. A SwitchWize attribution link is included in the embed automatically.

<iframe src="https://www.switchwize.com/embed/earnings-credit-rate?source=embed_selfserve" width="100%" height="680" loading="lazy" style="border:1px solid #e2e8f0;border-radius:14px;max-width:100%;width:100%" title="SwitchWize calculator"></iframe>
<script>(function(){window.addEventListener("message",function(e){if(e.origin!=="https://www.switchwize.com")return;var d=e.data;if(!d||d.type!=="sw-embed-resize")return;var f=document.getElementsByTagName("iframe");for(var i=0;i<f.length;i++){if(f[i].contentWindow===e.source){f[i].style.height=d.height+"px";break;}}});})();</script>

Frequently Asked Questions

Everything you need to know.

Is an Earnings Credit Rate the same as interest?
No. ECR credits offset banking fees — they are not paid to you in cash and are generally not taxable income, unlike interest earned on a sweep or money market account, which is taxable. That difference is exactly why comparing the two requires an after-tax calculation, not a simple rate comparison.
Does unused ECR credit carry over to next month?
It depends entirely on the bank — many programs allow no carryover at all, some allow a few months. This calculator assumes no carryover unless you know your bank's specific policy, since assuming credit rolls over when it doesn't will overstate how much balance you actually need.
Why not just keep more cash in the ECR account to be safe?
Because ECR credit is capped at what it takes to zero out your fees — any balance beyond your breakeven point earns nothing further in that account. Once you're past breakeven, that excess earns more, after tax, in a commercial sweep or money market account than it does sitting in non-interest checking.
Is the Earnings Credit Rate (ECR) Calculator free to use?
Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.
Does using the Earnings Credit Rate (ECR) Calculator affect my credit score?
No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.
Are the results personalized financial advice?
No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.
What should I do after seeing the result?
Use the recommendation module on this page to compare business checking options, or run Money Map to compare this loans & credit decision with your other opportunities.
How does SwitchWize choose related offers?
Related offers are matched by the calculator surface (checking) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.
How fresh are the rates and offers shown?
Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.
Where can I see the ranking methodology?
The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.
Can Money Map use this result?
Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

An Earnings Credit Rate isn't a public rate — it's negotiated per relationship and only offsets fees, it doesn't pay out in cash. Many business owners keep far more in a 0%-interest checking account than their ECR program can actually use, forfeiting real after-tax yield on the excess.

How to Use It

  1. 1Enter your average collected balance (your bank statement shows this after subtracting uncleared float)
  2. 2Enter your total monthly account and treasury-management fees
  3. 3Enter the ECR your bank quotes on your account analysis statement
  4. 4Enter an alternative commercial sweep or money market rate you could earn instead
  5. 5See the balance that fully offsets your fees, and the after-tax value of sweeping anything above it
Related calculators
Cash Sweep Rate Gap CalculatorBusiness Cash Reserve CalculatorBank Switch ROI CalculatorState Tax Impact on Cash Yield Calculator
Compare business checking options