SwitchWizeFinancial Decisions, Made Clearer
Methodology

How the Cash Yield Gap is calculated

SwitchWize estimates each scenario as balance multiplied by the positive APY spread between a competitive liquid-cash benchmark and the modeled current account rate.

Checking
0.07%
Money market
0.57%
T-bill reference
3.66%

Formula

Cash Yield Gap = balance x ((benchmark APY - current APY) / 100). The index is pre-tax unless a page explicitly models after-tax yield. Users should verify provider APYs before moving money.

Related: Cash Yield Gap and JSON dataset.

Public source posture

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