Recommended for High-Yield Savings
SoFi Checking and Savings
Limited-Time Offer: +1.10% Boost on Savings APY to up to 4.40% for up to 6 months on new accounts. Terms apply.
4.40%
APY
Featured integrated brand
Top Picks in Finance
Recommended for Checking Accounts
Key Smart Checking®
No minimum balance or monthly fees
Featured integrated brand
Recommended for Business Checking
Found
Up to 2.50% APY on all balances (Found Pro)
Featured integrated brand
Recommended for Home Equity / HELOC
Point.com
Minimum credit score: 600
Featured integrated brand
Each pick is the brand currently ranked #1 on that category's chart. Brands shown are partners PickYourBank may earn a fee from, which can affect order. Rates and terms can change — confirm with the provider. Investing involves risk. Earny is not a licensed financial advisor.
How Earny helps with your finances
Ask in plain English. Earny does the math, the planning and the comparing.
Big questions welcome
Windfalls, early retirement, debt, buying a home — ask the question you'd never ask a bank.
Real math, not vibes
Earny runs the numbers on your situation: growth, payoff timelines and what your money could become.
A plan, step by step
From an emergency fund to investing, Earny lays out what to do first, next and later.
The right account for each goal
Earny points you to a top-rated pick for savings, checking, investing and more — when it actually fits.
Finance questions, answered
What kind of money questions can I ask Earny?
Anything — what to do with a windfall, whether you can retire, how to get out of debt, how much to save, or whether to rent or buy. Earny works through your situation with real numbers.
Does Earny give personal financial advice?
No. Earny explains options, runs the math and helps you compare products, but it isn't a licensed financial advisor. For major decisions, consider talking to a professional.
How are the recommended brands chosen?
Each category shows the brand currently ranked #1 on that category's chart on PickYourBank. PickYourBank may earn a fee from partners, which can affect order.
Is Earny free?
Yes, completely free. PickYourBank may earn a referral fee if you open an account through our links.
Is my conversation private?
Yes. Don't share account numbers or passwords — Earny never needs them to help you.
Where can I talk to Earny?
Right here on this page, or on WhatsApp and Telegram if you prefer messaging. Same AI, same answers.