Finn

This calculator helps you weigh whether to keep your short-term savings in a High-Yield Savings Account or a short-term bond ETF by comparing their expected earnings over time. It completely reimagines its original template, swapping emergency fund sizing for a direct yield comparison. When looking at the results, keep in mind that it doesn't factor in taxes; Treasury-backed ETFs often avoid state and local taxes, which could widen the earnings gap in their favor depending on where you live. You'll also want to remember that both HYSA rates and ETF yields will fluctuate over your time horizon rather than staying locked at today's rates.

Reviewed v26.7.0