5%
Banking Portfolio Assessment

See how your bank accounts compare to today's top rates.

In about 2 minutes, find out how your savings, checking, and certificates of deposit (CDs) stack up against today's best rates - and how much money you may be leaving on the table.

What accounts do you have?

This tool is provided for educational purposes only and does not constitute financial advice. Portfolio scores, status categories, and calculated output are estimates based solely on your reported inputs and criteria established by NerdWallet; they do not guarantee rates, approval, or outcomes. Featured offers are from commercial partners and do not represent all market products. Calculations assume constant balances and do not account for compounding, rate tiers, interest rate fluctuations, account fees, or early withdrawal penalties.

Savings

Where do you keep your savings?

Just the bank or provider name.

Savings

What annual percentage yield (APY) is it earning?

If you don't know it, you can find it on a recent statement or in your bank's app.

%

How we use this number

We use the rate you enter to see how your account stacks up against today's top rates. Enter your actual APY if you can, so the estimates we generate are as accurate as possible.

Savings

How much is in there?

An estimate is fine.

$

How we use this number

We use the balance you enter for one thing: to estimate how much your money could be earning at today's top rates. Our estimate is based on that number, so the closer it is to your real balance, the more accurate your results will be.

Checking

Who's your checking account with?

Checking

Do you pay a monthly fee?

Enter $0 if you don't.

$
Checking

Does it earn any interest?

Enter the APY if it does - leave it at 0 if not (most checking accounts don't).

%

How we use this number

We use the rate you enter to see how your account stacks up against today's top rates. Enter your actual APY if you can, so the estimates we generate are as accurate as possible.

CDs

Which bank holds your CD?

If you have more than one, go with your largest.

CDs

How long is the term?

CDs

What APY did you lock in?

%

How we use this number

We use the rate you enter to see how your account stacks up against today's top rates. Enter your actual APY if you can, so the estimates we generate are as accurate as possible.

CDs

How much is in the CD?

$

How we use this number

We use the balance you enter for one thing: to estimate how much your money could be earning at today's top rates. Our estimate is based on that number, so the closer it is to your real balance, the more accurate your results will be.

Your portfolio score
0
OUT OF 100
Our assessment

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Savings
-
-
Checking
-
-
CDs
-
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Scores and potential earnings are estimates based on your reported inputs and the highest featured partner rates, regardless of account minimums or eligibility. Results do not guarantee rates, fees, compounding, or outcomes. Offers are from commercial partners who compensate us and do not represent all market options. However, this does not influence our evaluations or ratings. Our opinions are our own.
The bottom line
Estimated money left on the table
$0
Things to know
  • A high-yield savings account (HYSA) pays a higher interest rate than a traditional savings account (sometimes up to 10x!)
  • HYSAs are a great place for your emergency fund (a good rule of thumb is to have enough to cover 3-6 months' worth of living expenses)
  • We recommend HYSAs with low or no monthly fees, manageable minimum deposit requirements, perks like savings tools and calculators, and consistently high rates.
Our top picks
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The bottom line
Estimated annual fees
$0
APY
-
Things to know
  • Keep 1-2 months of expenses in checking as a cushion for day-to-day spending.
  • The best checking accounts have no fees, flexible and free overdraft programs, large free ATM networks (and/or ATM fee reimbursements), and the ability to earn some interest or cash back.
Our top picks
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The bottom line
Things to know
  • CDs are for cash you can lock away for a set term in exchange for a guaranteed rate. Make sure this is money you won't need until it matures.
  • For many people, CDs can work best in a few situations:
    • Locking up savings for a big purchase within the next five years, including a down payment on a car or house.
    • Stashing away a sudden windfall to avoid spending it now.
    • Earning some returns without market risk, especially closer to or during retirement.
Our top picks
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Analyzing your portfolio
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