How efficiently is your cash working for you?

No. It has no relationship to your FICO score or VantageScore, never touches credit data, and does not affect your credit in any way. It only scores your savings yield, card rewards, and account fees against the best widely-available terms today.

CES = 850 minus (yield loss + rewards loss + fee penalty), clamped between 300 and 850. Yield loss (up to 330 points) scales with how far your savings APY sits below the best widely-available rate. Rewards loss (up to 165 points) scales with how far your card rewards rate sits below the best flat-rate cashback. Fee penalty (up to 55 points) is 5 points per dollar of monthly account fees.

A score of 780 or higher is Elite — your yield, rewards, and fees are all close to the best available terms. 660-779 is Moderate. 500-659 is High Drag. Below 500 is Severe Bleed, meaning multiple factors are costing real money every year.

No. The score is calculated entirely in your browser. Nothing is sent to SwitchWize’s servers unless you choose to share your result, in which case only the score itself is encoded in the share link.

Bank Gap Challenge checks only your savings account versus the top market rate, in about 3 seconds. Cash Efficiency Score checks savings yield, card rewards, and fees together, scored 300-850. The Financial Health Score is broader still — net worth, debt, savings rate, and retirement pace, benchmarked against U.S. households your age.

The result page ranks your specific opportunities by dollar impact — typically moving idle cash to a higher-yield account, switching to a flat-rate cashback card, or eliminating avoidable account fees, whichever costs you the most.