SwitchWizeFinancial Decisions, Made Clearer
Not a credit score

How efficiently is your cash working for you?

Fill in your numbers on the left — your Cash Efficiency Score updates instantly on the right, scored 300 to 850 against the best widely-available rates today.

No bank login requiredCalculated in your browserUpdates as you type

Where's your cash?

How much liquid cash do you have there?

$
$0$250k+

Current APY

What APY are you earning right now?

%
0%6%

Not sure? Pick the closest

Card spend & rewards

$

Your current rewards rate

Monthly fees

How much do you pay in monthly account fees?

$
$0$50+

Maintenance fees, overdraft fees, ATM fees — whatever you typically pay.

Cash Efficiency Score
SEVERE DRAG
440/850

You’re losing $862/yr to your bank.

≈ $72/month left on the table.

Savings yield
-300 pts
0.38% APY4.20% best
Card rewards
-110 pts
1.0% back3.0% best
Account fees$0/mo — best possible
Quickest win
Switch to a flat 3.0% cashback card
$480
see full plan ↓

Scored against the best widely-available rates today. Methodology →

Your next best moves

Where to focus first

Top priority

Switch to a flat 3.0% cashback card

A flat-rate card earns on every purchase instead of leaving rewards on the table with a low-rate card.

$480
est. per year
Compare cashback cards →
Action 2

Move idle cash to a 4.20% APY account

High-yield savings accounts pay several times the national average with no extra risk to your principal.

$382
est. per year
See top savings rates →
Other free checks

Not what you’re looking for?

Fastest3 seconds

Bank Gap Challenge

Just your savings account versus the top market rate. One input, one number.

Try it →
Most complete picture60 seconds

Financial Health Score

Net worth, debt, savings rate, and retirement pace — benchmarked against U.S. households your age.

Try it →

Common questions

Is the Cash Efficiency Score a credit score?+
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.
How is the Cash Efficiency Score calculated?+
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.
What counts as a good Cash Efficiency Score?+
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.
Is my financial information stored anywhere?+
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.
How does this differ from the Bank Gap Challenge or Financial Health Score?+
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.
What should I do after seeing my score?+
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.