High Yield / Guides & tools

Stay or switch?

Find out whether the extra earnings could be worth the effort.

Your starting point

Compare your current APY with checked nationwide accounts in our curated catalog. Your inputs are used for this response and are not saved.

Your assessment

Your assessment appears here.

Enter your balance, current APY and minimum worthwhile gain, then choose Assess my options.

What this estimate assumes

A constant USD balance and unchanged APYs for one year. Listed monthly fees count twelve times, annual and one-time fees once. Fee waivers are not assumed. Your entered current-account annual fees reduce the cost of staying; your extra switching costs are added to the candidate’s listed opening fees. All recurring fees are prorated daily for the break-even timeline, so actual charge dates may move the cash break-even point. Accounts with nonzero per-event fees are excluded because your usage is unknown.

Promotional and qualifying APYs, bonuses, taxes and changing balance tiers are excluded. During your entered transfer delay the moved balance earns no interest. Break-even assumes unchanged rates and costs, a 365-day year and constant principal for up to five years; it is not a forecast. This is a scenario using today's checked terms, not a forecast. Confirm eligibility and conditions with the bank. A higher APY alone does not establish that an account suits your needs.

Calculations use Decimal arithmetic and USD cents with half-up rounding. Use whole-dollar balances from $1 to $1 million, APY from 0–100%, and a whole-dollar minimum gain from $0 to $1 million. Confirm fees with the bank; only listed candidate fees are deducted. No account or saved financial profile is created.

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