Proprietary Data
SwitchWize Data Indices
Monthly indices that quantify the real cost of staying with typical financial products. Computed from live rate data scraped daily — not editorial estimates.
Flagship Index
Bank Gap Index
The annual interest a typical American saver loses by staying with a big-bank savings account instead of a top high-yield account. The original SwitchWize proprietary index — monthly time series, public JSON dataset, and free embeds.
All Indices (5)
CDs
12-Month CD Gap Index
The annual interest a saver forgoes by holding a typical 12-month CD instead of a top-available one, on a fixed $25,000 balance. Recomputed monthly from live CD rates.
money market accounts
Money Market Gap Index
The annual interest a saver forgoes by holding a typical money market account instead of a top-available one, on a fixed $25,000 balance. Recomputed monthly from live money-market rates.
checking accounts
Checking Account Gap Index
The annual interest a saver forgoes by holding a typical checking account instead of a top-available high-yield one, on a fixed $25,000 balance. Recomputed monthly from live checking rates.
high-yield savings accounts
High-Yield Savings Gap Index
The annual interest a saver forgoes by holding a typical savings account at a big bank instead of a top-available high-yield savings account, on a fixed $25,000 balance. Recomputed monthly from live savings rates.
credit cards
Credit Card Balance Carrier Cost Index
The annual interest cost of carrying a $5,000 balance on a typical credit card vs. the best available low-APR ongoing card. Computed from the FRED G.19 national average card APR.
Other Card Analyses
fee cards
Annual Fee Breakeven Hub
39 major fee cards ranked by the annual spend required to break even vs. a no-fee 2% baseline, with usability-weighted perks factored in.
rewards analysis
Rewards Optimization Gap
The annual rewards left unclaimed by cardholders using an average card vs. the best-matched card for a typical U.S. spend profile.
How indices are computed
Each index compares the top-3 average of the tracked product cohort against a national baseline (FDIC national average) or cohort median. The index value is the annual dollar gap on a $25,000 representative balance. Recomputed monthly from live rate data — never from editorial estimates.
Full methodologyFree embeds for publishers
Each index has a lightweight embed widget — one line of HTML, no JavaScript dependency, updated automatically. Free for editorial, research, and educational use with attribution.
Press & data licensing