🏛 How much more would I earn after taxes with a municipal money market fund over a high yield CD?
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Reviews of How much more would I earn after taxes with a municipal money market fund over a high-yield CD?
Finn
This calculator helps you decide where to park your cash by comparing the after-tax yields of a bank CD, a Treasury bill, and a municipal money market fund. It's especially useful for high earners who want to see if the tax exemptions on Treasuries or muni funds outweigh the higher sticker yields of standard CDs. The tool uses a straightforward tax calculation that covers federal and state brackets, though you'll want to keep in mind that the 3.8% Net Investment Income Tax isn't factored in if you're over that income threshold. Overall, it's a clean, easy-to-use view that clearly highlights your best option.
Reviewed v26.10.2
Oct 14, 2026
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Where should I park my cash?
Puts a high-yield savings account, a CD, and Treasury bills side by side on after-tax earnings for your cash, factoring in your federal and state tax rates and whether you need the money within a year.
Based on "High Yield Savings vs. Bank CDs vs. Treasury Bonds: Which One is Better for You?" by See the Forest Through the Trees. Treasuries vs. CDs vs. High Yield Savings
How much more yield could I keep after taxes with a tax efficient fund?
Based on "35% Tax vs 1% Tax on the Same Investment? Here's Why" by Wealth Adventures. Does this fund belong in my taxable account or tax-deferred account?