Compare high-yield savings and CD offers on real dollars earned — not just headline APY — including fees, early-withdrawal penalties, and a break-even view between the two.
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Before You Begin
Every offer you enter here is timestamped, and your results will always remind you to verify the exact current terms directly with the institution before opening an account. Rates change, often without notice.
We only use APY (the standardized, disclosed measure) in the math below — never a nominal interest rate treated as if it were the same thing.
A promotional APY is only applied for the exact promotional period you enter — we never extend it further.
If you're not sure how a CD's early-withdrawal penalty works, say so. We won't guess a number for you — we'll show a warning instead.
This tool doesn't check deposit-insurance coverage. For that, use the official FDIC EDIE estimator or the NCUA Share Insurance Estimator, especially for trusts, joint accounts, or balances spread across institutions.
Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.
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Each mode stands on its own — switching modes doesn't combine or carry over your results.
Your Results
Answer the questions above, then select "Compare" to see your results.
Assumptions & Sources
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