See where your money could work harder.
Savings is just one of four.
You’ve already seen your savings gap above. The full Money Map also checks debt, mortgage, and cards, then ranks every opportunity by estimated dollar impact, so you act on the biggest one first.
What a Money Map checks
Every gap, ordered by dollars.
The full scan turns your savings, debt, mortgage, and card details into one prioritized list, your highest-impact move first, with the exact next step for each.
- 1Share rough numbers for each area
- 2See every gap sized in dollars per year
- 3Act on the biggest one first
About 90 seconds · No account · No credit pull
An example: $2,805 a year, hiding in plain sight.
A sample household with $32,000 in savings had three ranked opportunities. Money Map keeps the output short: what to fix, what it is worth, and what to do first.
Your own scan uses your real numbers.
Run my Money MapIllustrative example. Idle-cash figure uses today’s live rates (0.38% vs 4.40% APY); your actual Money Map is built from the balances you enter.
Updated rates from 150+ institutions.
See rate tables →See current opportunities across cash, debt, mortgage, and cards — then use Money Map to rank what matters for you.
Best rates from online banks
Checked Nov 12
Lock in yield with FDIC-insured CDs
Checked Nov 12
High rates plus flexible access
Checked Nov 12
Best available APR
Best rate from 50+ lenders
Rewards and balance-transfer fit
Highest verified savings and CD rates of November 2026
Each rate was read from the bank's own page and checked Nov 12.
Savings
All savings rates- PiBankHighest todayOpen account4.40%APYEarns $440 a year on $10,000
- Open account4.27%APYEarns $427 a year on $10,000
- Open account4.20%APYEarns $420 a year on $10,000
- Open account4.10%APYEarns $410 a year on $10,000
- Open account4.05%APYEarns $405 a year on $10,000
- Open account4.01%APYEarns $401 a year on $10,000
- Open account4.01%APYEarns $401 a year on $10,000
- Open account4.00%APYEarns $400 a year on $10,000
CDs
All CD rates- Popular Direct5 yearsHighest todayOpen account5.00%APYEarns $500 a year on $10,000
- Bread Savings18 monthsOpen account4.85%APYEarns $485 a year on $10,000
- Ally Bank1 yearOpen account4.50%APYEarns $450 a year on $10,000
- American Express National Bank10 monthsOpen account4.50%APYEarns $450 a year on $10,000
- Bask Bank1 yearOpen account4.50%APYEarns $450 a year on $10,000
- Zynlo Bank1 yearOpen account4.40%APYEarns $440 a year on $10,000
- Washington Savings Bank13 monthsOpen account4.13%APYEarns $413 a year on $10,000
- 5Star Bank18 monthsOpen account2.80%APYEarns $280 a year on $10,000
Recent rate moves.
Trailing 30-day change, largest moves first · from 150+ tracked institutions
Rate sites show options. SwitchWize tells you what to do next.
Money Map takes about 90 seconds and gives you a short list of moves. The one worth the most money comes first.
- 1Enter a few numbers
Roughly what you have in savings, your mortgage rate and the cards you carry. No login.
- 2We compare them
Your numbers go up against rates at 150+ banks, lenders and card issuers.
- 3Get a list, biggest first
Every move is ranked by dollars a year, so the best one is on top.
$25,000 in a savings account that pays 0.38%.
Money Map checks more than savings. It ranks opportunities across savings, debt, cards, and mortgage so your next step is clear.
Run My Money Map →Traditional savings at 0.38% vs 4.40% available. That's a real leak on every dollar sitting still.
See savings rates →Free tools that turn your numbers into clear decisions.
Cash Efficiency Score
Savings yield, card rewards, and account fees combined into a 300-850 score.
Financial Health Score
Net worth, debt, savings rate, and retirement pace — benchmarked against U.S. households your age.
Track the accounts you care about. We’ll email you when they move.
Pick categories to watch. We check every morning and only write to you when a rate you’re watching actually changes.
✓ One email per change, not per day · ✓ Unsubscribe in one click · ✓ No affiliate bias
Track a specific bank instead →Illustrative: on every $10,000 you keep in savings, a move like this is worth about $15/yr more. Your real alert email shows your own tracked accounts.
Your emergency fund should cover more than the one scenario you imagined.
John Bogle's published diversification principle, applied to sizing an emergency fund against a broad range of possible disruptions instead of one specific, imagined scenario.
Read essay →Chasing every new business banking bonus has a cost nobody counts.
John Bogle's published patience-over-performance-chasing principle, applied to a business that switches banking providers repeatedly for the newest signup bonus or perk instead of a stable, well-understood relationship.
Read essay →The Best 5-Year CD Just Jumped to 4.95%. Most Banks Still Pay Less to Lock Up Longer.
On September 29, 2026, the tracked five-year CD leader raised its rate. This dated comparison examines the term premium, dollar impact and early-withdrawal penalty.
Read guide →Six Banks Have Failed in 2026. Depositors Kept Their Money, but a CD Rate Can Be Cut.
Nano Banc's closure on Sept. 25 was the sixth U.S. bank failure of 2026, the most since 2017. Insured deposits moved to a new bank intact, but the new bank does not have to honor the old CD rate, and that rule cuts both ways.
Read guide →CD Early Withdrawal Penalty: What It Costs and When Breaking Pays
Read a CD's rate and penalty terms, then work out how much higher a new CD's rate must be before breaking yours for it pays.
Read guide →How to Build a CD Ladder and What It Costs in Interest
A CD ladder splits money across CDs that end at different dates. See how many to use and what you give up in interest for cash that comes due on a schedule.
Read guide →Questions
Frequently asked questions
What SwitchWize is, how it stays free, and how the rankings work.
Cost and trust
Is SwitchWize free to use?
How does SwitchWize make money?
Are SwitchWize’s rankings paid or sponsored?
Does SwitchWize sell my personal data?
Rates and data
Are SwitchWize’s rates real and up to date?
How many financial institutions does SwitchWize track?
How often are rates updated?
Using it
Does using SwitchWize affect my credit score?
What is Money Map?
Do I have to link my bank accounts?
More
Can SwitchWize help with more than savings accounts?
Money Map checks savings, debt, cards, and mortgage, then ranks your best next move by estimated dollar impact.
Run My Money MapAbout how much cash do you keep in savings or checking?
What a full scan finds.
Illustrative example. Idle-cash uses today’s live rates (0.38% vs 4.40% APY).
Today’s best rates.
Calculators
Start with the right tool.
Recent rate moves.
Free tools that turn your numbers into clear decisions.
Rate Gap Calculator
See how much your bank is costing you.
Takes 60 secMortgage Calculator
Monthly cost, total interest, amortization.
Long-term planningRetirement Number
How much you actually need to retire.
Practical guides tied to real money decisions.
This month’s Bank Gap Index is out →New guidebookThe Liquidity Guidebook: 19 chapters on where to keep your cashHow much to keep, CD ladders, insurance limits and Treasuries.Your emergency fund should cover more than the one scenario you imagined.
Chasing every new business banking bonus has a cost nobody counts.
The Best 5-Year CD Just Jumped to 4.95%. Most Banks Still Pay Less to Lock Up Longer.
Six Banks Have Failed in 2026. Depositors Kept Their Money, but a CD Rate Can Be Cut.
Questions
Frequently asked questions
What SwitchWize is, how it stays free, and how the rankings work.
Cost and trust
Is SwitchWize free to use?
How does SwitchWize make money?
Are SwitchWize’s rankings paid or sponsored?
Does SwitchWize sell my personal data?
Rates and data
Are SwitchWize’s rates real and up to date?
How many financial institutions does SwitchWize track?
How often are rates updated?
Using it
Does using SwitchWize affect my credit score?
What is Money Map?
Do I have to link my bank accounts?
More
Can SwitchWize help with more than savings accounts?
Track the accounts you care about.
We’ll email you the day a rate you pick actually changes.
Rate sites show options. SwitchWize tells you what to do next.
Money Map takes about 90 seconds and gives you a short list of moves. The one worth the most money comes first.
- 1Enter a few numbers
Roughly what you have in savings, your mortgage rate and the cards you carry. No login.
- 2We compare them
Your numbers go up against rates at 150+ banks, lenders and card issuers.
- 3Get a list, biggest first
Every move is ranked by dollars a year, so the best one is on top.
$25,000 in a savings account that pays 0.38%.