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 $50,000 at 0.40% APY. Change

You’d gain

+$2,300a year

That’s $192 a month, at the account that would pay $50,000 most.

Where it is now0.40% APY on $50,000$200

At Coverdell ESA5.00% APY, after fees$2,500

You’d gainA year, before tax+$2,300

The workingChecked Nov 8, 2026

Balance × APY − a year’s fees

Apple$50,000 × 5.00% − $0$2,500Now$50,000 × 0.40% − $0$200Gain$2,500 − $200+$2,300A month$2,300 ÷ 12$192

Apple’s own page Report a problem

The accounts that would pay $50,000 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: +$2,300APY5.00%A year$2,500FeeNot stated
Select Savings from BarclaysBarclays Bank Delaware · source · checked Nov 8, 2026Gain a year: +$1,925APY4.25%A year$2,125FeeNone
EverBank Performance SavingsEverBank · source · checked Nov 8, 2026Gain a year: +$1,900APY4.20%A year$2,100FeeNone
Share Savings AccountState Farm · source · checked Nov 8, 2026Also at this rate: E-SharesMembership limited: employer, familyGain a year: +$1,840APY4.08%A year$2,040FeeNot 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 $50,000 most