Savings switch calculator

What would you gain by switching?

Most savings sits at a big bank earning under half a percent. Enter your balance and the rate it earns, and we show what the accounts that would pay that balance most would pay instead, after fees, and the gain a year.

Every figure from the bank’s own terms
Ranked on value alone, never on what pays us
Nothing you enter is stored

A plain case: $10,000 at 0.40% APY. Enter your own balance

You’d gain

+$460a year

That’s $38 a month, at the account that would pay $10,000 most.

Where it is now0.40% APY on $10,000$40

At Coverdell ESA5.00% APY, after fees$500

You’d gainA year, before tax+$460

The workingChecked Nov 8, 2026

Balance × APY − a year’s fees

Apple$10,000 × 5.00% − $0$500Now$10,000 × 0.40% − $0$40Gain$500 − $40+$460A month$460 ÷ 12$38

Apple’s own page Report a problem

The accounts that would pay $10,000 most

After any monthly fee. Each links its page here, the bank’s own page and the day we checked it.

Coverdell ESAApple · source · checked Nov 8, 2026Membership limited: family, geography, organizationGain a year: +$460APY5.00%A year$500FeeNot stated
Select Savings from BarclaysBarclays Bank Delaware · source · checked Nov 8, 2026Gain a year: +$385APY4.25%A year$425FeeNone
EverBank Performance SavingsEverBank · source · checked Nov 8, 2026Gain a year: +$380APY4.20%A year$420FeeNone
Share Savings AccountState Farm · source · checked Nov 8, 2026Also at this rate: E-SharesMembership limited: employer, familyGain a year: +$368APY4.08%A year$408FeeNot stated

Rates are variable and can change after you open an account; interest is taxable.

All savings accounts What interest keeps after tax

Your savings

The accounts that would pay $10,000 most