Drag your cash. Watch it earn.
Your cash starts in checking as ten bills. Move them and see what you’d keep in a year after tax.
Rates verified November 6, 2026. Treasury yields from the November 6, 2026 close.
Checking
Typical big-bank checking
0.01%keep 0.01%
Brokerage sweep
Schwab default sweep
0.01%keep 0.01%
High-yield savings
Pibank
4.40%keep 3.21%
Treasury money fund
Treasury money fund (Vanguard)
3.89%keep 3.03%
Treasury bills
3-month bill
4.19%keep 3.27%
1-year CD
CFG Bank
4.65%keep 3.39%
I Bonds
TreasuryDirect
5.51%keep 4.30%
How it works
Your cash is split into 10 bills. Drag a bill to another bucket, tap a bucket and then tap where its bills should go, or use the − and + buttons. Each bucket earns its real rate today, minus the federal and state tax you set. Treasury bills, Treasury money funds and I Bonds skip state tax.
The Cash Score compares your mix with the most you could earn while keeping at least one bill where you can reach it within a day or two. Locked buckets earn more but tie the money up, so a perfect score isn’t always the right choice for you. This is a model, not advice: rates change, and CD and bill rates are fixed only for their terms.