What this calculation assumes
The calculator treats each entered APY as constant and compounds it over the selected fraction of a year. Real variable rates can change tomorrow. Interest may accrue daily rather than in the simplified buckets shown here, and taxes depend on your complete situation.
A higher result is not automatically the better account. Verify deposit-insurance structure, overlapping deposits at program banks, transfer holds, withdrawal limits, fees, customer support, and whether the money is genuinely short-term enough to remain in cash.
This tool does not recommend a particular bank, brokerage cash account, or investment.