Mrs. Dow Jones
The cash question

Where should this money live?Most money has more than one job. Let's give each one its share.

Tell us what this money is for and when you need it. We'll split it in the right order, starting with the part everything else depends on.

$
Pick as many as apply. We'll fund them in order.
About your emergency fund
Rent, food, insurance, minimum debt payments. The stuff you can't skip.
$
Not counting this money. Leave it blank if the answer is zero, which is completely normal.
$
This decides whether you need three months or six.
About the goal
Optional. Leave it blank and we'll put everything that's left toward it.
$
Your best guess is fine.3 years
Firm dates let you lock money up. Flexible ones let you take more risk.
Almost there

Your split is ready.

Drop your email and we'll show you exactly how to divide this, in what order, plus whether switching savings accounts is worth your afternoon.

Your email is only for the newsletter. We never share it, and we don't store your numbers.

That doesn't look like an email address.

You'll also get the newsletter. It's good, we promise, and you can leave whenever.

The plan

Which accounts, in total

Adding up every job above, here's where the money actually goes.

While you're here: is switching savings accounts worth it?

Everyone says chase the best rate. Sometimes the difference is $40 a year, which is worth knowing before you spend an afternoon on paperwork.

Your rate now
%
The new one
%
On this balance
$
$— a year

Pop in two rates above and we'll do the math.

The one rule

Money you need soon doesn't belong in the market.

Not because investing is bad. Because the market doesn't care about your closing date. Anything under five years wants to be boring and available. Anything past that wants to grow.

General education, not financial advice. CDs lock your money until they mature, and investing can lose value in any given year.