2 guides
Savings
Where cash should sit and how much of it you need. These guides put a number on what an emergency fund costs in forgone growth, why that cost is still worth paying, and how the tax treatment of savings accounts, CDs, and Treasury bills changes which one actually pays most.
March 17, 2026 · 7 min read
The 4.50% Account Beat the 4.60% One. Here Is Why.
Comparing cash accounts on their advertised rate ignores the one factor that changes the ranking: how each is taxed. On $25,000, the lowest-rate option finished ahead by $112.50 a year.
January 28, 2026 · 8 min readYour Emergency Fund Costs $11,546 in Forgone Growth. Keep It Anyway.
Holding six months of expenses in cash is genuinely expensive, and the standard advice never puts a number on it. Here is what the insurance actually costs, why it is still worth buying, and how to size it for your own risk rather than a rule of thumb.
Calculators for savings
CD CalculatorCompute the ending value and interest of a certificate of deposit for any term, rate, and compounding frequency.Savings CalculatorSee what your savings grow to with regular monthly deposits at a given interest rate.Interest CalculatorProject how a starting balance plus monthly contributions grows with compound interest.Bond CalculatorPrice a bond from its coupon, maturity, and the market yield, and see its current yield.Budget CalculatorAdd up your monthly expenses against income to find your surplus and savings rate.Investment CalculatorProject the growth of a starting balance plus regular monthly contributions at your expected annual return, with a year-by-year table.