Calculator
How to use / 使用方法
- Enter only non-sensitive planning inputs.
- Compare the result with your actual calendar, balance, subscription or bank workflow.
- Open official pages and verify prices, APY, renewal dates, cancellation rules, transfer limits and disclosures.
- Use the related Omellody commercial page to compare alternatives before committing.
Official verification box / 官方验证盒
Before acting, verify the current official source. This page is not a live provider, bank or billing feed.
- Marcus / Goldman Sachs official savings APY page
- Current account disclosures, fees and transfer limits
- Alternative bank official APY and FDIC/NCUA disclosures
- Your emergency liquidity and tax assumptions
Disclaimer
Educational banking calculator only. It is not personalized financial, tax or legal advice; official bank terms, APY disclosures, FDIC/NCUA rules and your own account documents control.
FAQ
Does this show the live Marcus APY?
No. Enter the APYs you verify on official bank pages. This page does not fetch live rates.
Should I switch banks for a small APY gap?
Not automatically. Compare after-tax interest against transfer delays, account friction, FDIC coverage and emergency cash needs.
Is this financial advice?
No. It is an educational calculator; verify official bank disclosures and consider your own situation before moving funds.