Savings guides for the decisions that matter

Start with the guide closest to your situation, then use the calculator to check it with your own numbers.

Direct comparisons

See which option comes out ahead.

Start with a direct comparison when two options look similar but lead to different outcomes.

See whether the stronger rate is worth the extra monthly rules.

See whether the higher rate beats the convenience of staying with a major bank.

See whether the simpler digital option comes out ahead of the big-bank alternative.

See whether the stronger saver beats the familiarity of a major-bank option.

Situation guides

Start with your balance, age, or one rule you want to avoid.

A practical scenario for savers who want to put $10,000 to work for the next 6 months.

Useful when you want a realistic shortlist for a smaller balance over a shorter holding period.

A useful scenario if you want stronger returns on $20,000 without jumping straight into a complex setup.

Good for savers who want stronger rates on a modest balance and still want a manageable setup.

A solid benchmark once intro offers, balance caps, and ongoing conditions start to matter more.

Useful if you want to see how the shortlist changes once a mid-sized balance meets promo windows and bonus caps.

A larger-balance scenario where bonus caps, promo windows, and monthly rules can all change the answer.

Useful when you want to see which products stay competitive once the balance is large enough to run into caps and trade-offs.

Calculator

Use the calculator to check the strongest setup for your balance, age, and time frame.