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

For $100,000 at 0.40% APY. Change

You’d gain

+$4,600a year

That’s $383 a month, at the account that would pay $100,000 most.

Where it is now0.40% APY on $100,000$400

At Coverdell ESA5.00% APY, after fees$5,000

You’d gainA year, before tax+$4,600

The workingChecked Nov 8, 2026

Balance × APY − a year’s fees

Apple$100,000 × 5.00% − $0$5,000Now$100,000 × 0.40% − $0$400Gain$5,000 − $400+$4,600A month$4,600 ÷ 12$383

Apple’s own page Report a problem

The accounts that would pay $100,000 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: +$4,600APY5.00%A year$5,000FeeNot stated
Select Savings from BarclaysBarclays Bank Delaware · source · checked Nov 8, 2026Gain a year: +$3,850APY4.25%A year$4,250FeeNone
EverBank Performance SavingsEverBank · source · checked Nov 8, 2026Gain a year: +$3,800APY4.20%A year$4,200FeeNone
Share Savings AccountState Farm · source · checked Nov 8, 2026Also at this rate: E-SharesMembership limited: employer, familyGain a year: +$3,680APY4.08%A year$4,080FeeNot 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 $100,000 most