Float Management
Optimize payment timing to maximize interest earned. Use credit card grace periods and high-yield savings to earn more on your money between paychecks and bill due dates.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Optimized Monthly Interest
$22.45
Annual Interest Gain
$44.4
How to Use This Calculator
- Enter your average checking account balance and your savings account interest rate.
- Set your credit card grace period in days and total monthly bills.
- Input the average number of days bills sit in checking before being paid.
- Review Optimized Monthly Interest vs Current Monthly Interest to see the gain from timing payments better.
- Check Optimal Checking Balance — keep only this amount in checking and sweep the rest to your savings account.
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