Cash optimizer
Decide what your cash needs to do before chasing the highest rate.
Tell us how much cash you need to keep available and how long the rest can stay put. We compare current savings and CD options, then show bank bonuses separately when they may be worth the extra requirements.
Why separate them? Savings stays liquid, CDs lock money for a term, and bank bonuses come with eligibility and activity requirements. Those differences matter more than one headline number.
Current data is not complete enough to build an allocation right now. InfoShot will not fill the gap with stale rates or guessed assumptions.
How it works
Three rules behind the allocation.
Keep the reserve available
The amount you mark as your liquid reserve stays out of CDs even when a CD currently pays more.
Do not guess future CD rates
If a CD matures before your full timeline ends, we show the gap instead of assuming what the next CD will pay.
Treat bonuses as optional
A bank bonus can add value, but it does not decide where emergency or short-term cash belongs.