Allocation optimizer
Compare your stored cash against current deposit offers, reserve bill money first, and see the spread over your current account APY.
Finder focus
Available to compare
$9,000
$1,000 reserved
Time available
6 months
180 day horizon
Lockup tolerance
6 months
180 day max hold
State match
Any
Used for availability filters
Comparison guardrails
Finder ranks only offers that fit deal-ready cash, state, direct-deposit policy, 6 monthshorizon, and 6 months max lockup.
Deal-ready
$9,000
Reserve
$1,000
Horizon
6 months
Max lockup
6 months
State
Any
No public offers are available to filter yet. Finder will rank live official-source offers that fit these guardrails once the catalog is populated, and direct-deposit-required promotions will still stay out by policy.
Projected outcome
Current interest
$0
At 0.01% current APY
Best plan return
No ranked plan
No allocation matched these guardrails
Extra earnings
No ranked plan
No allocation matched these guardrails
Highest eligible APY
No accounts connected
Sign in and connect banking to use stored balances, or enter a manual funding pool above.
Allocation results
No matching plans
No eligible deposit deal matched the current cash, state, bill reserve, and 6 months horizon and 6 months max lockup. Try adjusting your inputs above.
Carries deal-ready cash, horizon, and max-lockup limits into the catalog.
Not listed
No positive APY in eligible offers