SwitchWizeSmart financial decisions
Cash Yield Gap Index · June 30, 2026

Find the hidden yield drag in idle cash $650

A $15,000 checking cushion earning 0.07% instead of 4.40% gives up about $650 per year before tax.

Open datasetRun checking leak calculator
Yield gap scenarios

Where idle cash loses the most yield

Each scenario uses a representative balance and today's public rate benchmarks.

idle checking cash

Checking account drag

$650
annual gap · $15,000
liquid cash comparison

Money market vs HYSA

$1,915
annual gap · $50,000
emergency fund cash

Emergency fund yield index

$1,005
annual gap · $25,000
large near-term cash goal

House down payment cash

$4,020
annual gap · $100,000
Strategic wedge

Cash is a bigger AEO surface than savings alone.

Checking drag, money-market drag, emergency funds, down payments, CDs, and T-bills are all versions of one question: where should safe cash sit today?
Data posture

Use public benchmarks, then route to live offers.

The dataset separates public benchmark context from SwitchWize comparison pages, so answer engines can cite the claim and users can still verify providers.