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Compare the move, not just the rate.

Start with your goal, see the dollar impact, then jump into ranked offers or side-by-side provider comparisons.

Example comparison
Legacy savings
0.38% APY
National avg APY
Top savings
4.27% APY
Best APY today
$972/yr on $25,000
A simple rate gap can be worth more than most card rewards. Compare by dollars first.

Source: S&P Capital IQ Pro; SNL Financial Data. Calculations: FDIC. Reflects the $2,500 product tier for savings and interest checking accounts.

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Refreshed weekly against live rates

Auto-generated from current rate data, reviewed against the same data pipeline as every other page on the site.

Decision guides

Test the choice with your numbers

Each guide shows the assumptions, dollar result, risks, sources, and the point where another choice becomes better.

savings

High-yield savings vs. CD

Should you keep cash flexible in a high-yield savings account or lock the rate in a certificate of deposit?

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savings

High-yield savings vs. money market fund

Would the fund earn enough more to make up for different insurance and access?

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credit cards

Balance transfer vs. personal loan

Can you pay off the transferred debt before the special rate ends, or would a fixed loan payment be safer?

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mortgages

15-year vs. 30-year mortgage

Is the interest saved with a 15-year loan worth the higher required monthly payment?

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retirement

Roth vs. traditional IRA

Is it better to pay taxes now or possibly deduct the contribution and pay taxes when you withdraw the money?

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savings

Emergency Fund Check

If income stopped and one access path failed, how much of your emergency fund could actually pay bills on time?

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checking

How to Switch Banks Safely

Is the new bank worth the time and risk, and should you move everything now or in steps?

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savings

Emergency Cash Order

Which available source should cover an urgent expense first, and what should come next if one source is not enough?

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savings

FDIC Insurance Check

How can you spread cash across separate insured banks without giving up more interest than necessary?

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cds

Savings Rate-Cut Plan

How much should stay in savings, and how much can you safely lock if savings rates fall?

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fintech

Financial Backup Plan Check

Which one problem would make it hardest to pay your essential bills today?

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mortgages

Points vs. bigger down payment

You have a fixed amount of cash at closing. Should it buy discount points, increase the down payment, or stay in the bank?

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savings

SoFi vs Wealthfront Cash Account

Does SoFi Checking and Savings or the Wealthfront Cash Account earn more on the money you actually keep there?

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retirement

Roth IRA vs taxable brokerage

Should the next money you invest go into a Roth IRA or a taxable brokerage account?

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checking

Capital One vs Chase banking

Across checking and savings together, which of these two banks leaves you better off in a year?

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retirement

HSA vs Roth IRA

With a fixed amount of take-home pay to allocate, does the next dollar do more in a health savings account or a Roth IRA?

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savings

Ally vs Wealthfront Cash Account

You already have one of these. Is the difference big enough to move your money?

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investing

529 vs taxable brokerage

You are saving for a child who may or may not go to college. Which account should hold the money?

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savings

Fidelity CMA vs Wealthfront

For cash you both spend from and want protected, which of these accounts fits better?

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credit cards

Amex Gold vs Venture X

On the way you actually spend, which of these two premium cards is worth more than its fee?

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credit cards

Freedom Flex vs Discover it

Both advertise 5% on rotating categories. On your spending, which one actually returns more?

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credit cards

Strata Premier vs Sapphire Preferred

On the way you actually book travel, which of these two mid-tier cards returns more?

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investing

Schwab vs Robinhood

Holding the same investments at either brokerage, which leaves you better off once the match, the subscription and the fees are counted?

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investing

Betterment vs Fidelity Go

Holding broadly similar portfolios, which robo-advisor leaves more in the account once the advisory fee is charged month after month?

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credit cards

Bilt vs Venture X

On your actual spend, does earning on rent beat a premium travel card, and is carrying both worth two annual fees?

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credit cards

Savor vs Amex Gold

On your dining and grocery spend, does the fee card earn enough more to recover its annual fee once you only count the credits you would actually use?

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checking

Online vs. branch checking

After interest and every fee you actually pay, which checking setup leaves you with more money and the access you need?

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checking

Rewards checking vs. cash-back card

Do debit rewards beat a cash-back card after reward caps, monthly requirements, annual fees, and any card interest?

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Save & Earn

Borrow & Owe

Cards & Rewards

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Dollars at stake

The average American leaves $955/year on the table.

That is just on savings. Add suboptimal debt rates, the wrong credit card, and missed switching opportunities — and the number is much higher. Start with your single biggest gap.

Why compare here

📊

Dollar impact, not just rates

Every comparison shows the annual dollar difference. A 4.64% APY gap on $25K is $1,160 — not '4.64% higher'.

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Reviewed against current provider data

Rate Pulse and offer refresh systems keep sourced observations visible, with provider terms linked for verification.

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No hidden rankings

Products are ranked by published criteria. SwitchWize currently has no paid placements.