The SwitchWize Diagnostic

Money Map

Money Map is SwitchWize’s free diagnostic that scans your savings, mortgage, credit cards, and debt in about 90 seconds, quantifies the annual dollars you are leaving on the table in each area, and ranks your single highest-value next move — no account linking, no credit pull.

Last reviewed June 10, 2026 · SwitchWize Research Desk

Areas scanned

savings · mortgage · cards · debt

Time to complete

~90s

no account linking

Savings gap today

$1,005

per year on $25,000

How it's calculated

Money Gap = Σ (best available rate − your current rate) × balance, across savings, mortgage, cards, and debt

Each area is ranked by its annual dollar gap so your biggest opportunity is always at the top.

Find your biggest opportunity first

Most people do not know whether their best money move is switching savings accounts, refinancing, or attacking a credit-card balance. Money Map answers that in one pass: it sizes all four areas in dollars and sorts them, so you spend your effort where it returns the most.

It is deliberately fast and approximate. The point is direction — which lever to pull — not a line-by-line audit. Once you know the area, the right calculator or category page takes you the rest of the way.

Built on live rate data

Every gap Money Map shows is measured against rates SwitchWize tracks daily from official provider pages — the same data that powers the savings, mortgage, and card category pages. Your results reflect the current market, and SwitchWize earns a referral fee only if you choose to act, never for showing you a result.

Frequently asked questions

What is Money Map?

Money Map is SwitchWize’s free diagnostic. In about 90 seconds it reviews four areas of your finances — savings, mortgage, credit cards, and debt — estimates the annual dollars you are leaving on the table in each, and ranks your single highest-value next move.

How does Money Map work?

You answer a few quick questions about your balances and current rates. Money Map compares each answer to the best available rates SwitchWize tracks daily, calculates the gap for each area, and sorts your opportunities largest-first so you know exactly where to start.

Is Money Map free?

Yes. Money Map is completely free and does not require an account to see your results. SwitchWize earns a referral fee only if you later choose to open a product through us — it never changes your results.

How long does Money Map take?

About 90 seconds. It is a short diagnostic, not a full budgeting tool — the goal is to find your biggest opportunity fast, then point you to the exact next step.

Do I need to link my bank accounts?

No. Money Map does not connect to your bank or pull your transactions. You enter a few approximate numbers yourself, so there is no account linking and no credit pull.

What does Money Map actually calculate?

For each area it computes a gap — the difference between what you have now and the best available option — times your balance. For savings, the gap today is about 4.02% (4.40% best vs. 0.38% average), which is roughly $1,005 a year on $25,000.

How is Money Map different from a budgeting app?

Budgeting apps track where your money goes. Money Map finds where your money is underperforming — accounts paying too little or costing too much — and tells you the highest-value switch to make. It is about optimization, not expense tracking.

How is Money Map different from the Rate Gap Calculator?

The Rate Gap Calculator analyzes one account in depth. Money Map covers four areas at once to find which one matters most for you, then hands off to the right calculator or product page for the deep dive.

Is Money Map the same as the Switch Score?

They are companion tools. Money Map quantifies your dollar opportunities; the Switch Score quiz scores how optimized your overall financial setup is. You can reach both from the /money-map entry point.

What happens after I get my Money Map results?

You see your areas ranked by annual dollar opportunity, with a clear next step for the biggest one — open a higher-yield account, compare mortgage rates, look at a balance transfer, and so on. You act only on what is worth your time.

Are the rates Money Map uses current?

Yes. Money Map compares against rates SwitchWize monitors daily from official provider pages — the same live data behind the category pages — so your gaps reflect today’s market, not a stale snapshot.

Find your highest-value money move.

Run the free 90-second Money Map to see your savings, mortgage, card, and debt gaps ranked by annual dollars.

Start Money Map →

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