The Compound Clarity Tool.
Most banks pay you 0.01%. We think that's a mistake. Use this projector to see the mathematical impact of switching to a 4.60%+ account.
High-Yield Wealth Projector
See the real cost of your big bank's 0.01%
The "Lazy Bank" Tax
By staying at a Big Bank (0.01% APY), you are potentially losing $6,750 in interest.
Rates are estimated and subject to change.
FDIC limits
and bonus terms apply.
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Why Compound Frequency Matters
Our calculator assumes monthly compounding—the industry standard for HYSAs. When your interest earns interest every 30 days, your wealth grows exponentially rather than linearly. Small monthly contributions are the "secret sauce" of million-dollar portfolios.
FDIC Safety & Risk
Projected returns are based on current market APYs. While HYSAs are protected by FDIC insurance (up to $250,000 per institution), interest rates are variable and subject to change based on Federal Reserve decisions.
Stop the Interest Bleed
Why settle for 0.01%? Move your idle cash to Wealthfront and earn a top-tier APY with zero account fees and up to $8M in FDIC insurance via their partner network.
Partner: Wealthfront