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Banking & SavingsSavings & Cash Flow
Rate Gap Calculator — See What Your Bank Is Costing You
See the exact dollar amount your bank costs you every year. The average savings account pays 0.46%. The best HYSAs pay 4.85%.
Rate Gap Details
$25,000
$
0.46%
%
4.85%
%
Results
LiveAnnual Rate Gap
$1,097
What you earn now$115
What you could earn$1,212
5-Year Opportunity$5,487
10-Year Opportunity$10,975
Next Step
Compare high-yield savings options and move idle cash into the stronger rate.
Frequently Asked Questions
Everything you need to know.
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Why This Matters
The national average savings account pays 0.46% APY. The best HYSAs pay 4.85%. On $25,000, that gap is $1,097 per year — for doing nothing except switching accounts.
How to Use It
- 1Enter your current savings balance
- 2Enter your current APY (check your bank app or last statement)
- 3Enter the best available rate — we show live rates below
- 4See your annual Rate Gap and 5-year opportunity cost
🗺️
Run Money Map Not sure where to start?
Money Map finds your biggest gap in 90 seconds — no sign-up required.
Ready to take the next step?
Compare rates, run Money Map, or explore the full SwitchWize toolkit.