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What your savings actually earn at a real APY — next to the same money sitting at a typical big-bank rate.
The comparison line uses 0.4% — a typical savings rate at the largest national banks.
High-yield savings accounts are ordinary FDIC-insured savings accounts, usually at online banks with no branch costs to cover. The money is just as safe and just as accessible as at a national bank — the difference is the rate. APYs move with the federal funds rate, so today's number won't hold forever, but the gap between high-yield and big-bank rates has stayed wide for years. Interest earned is taxable as ordinary income.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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