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Your savings, actually working.

Most cash sits in accounts earning near-zero interest, and no bank is in a hurry to mention it. Ed spots your idle cash, sizes the gap against a high-yield savings rate, and reads your savings against the life they're for.

Bank-grade, read-only connections. Ed never sees your login.
See where your cash could earn more

What Ed reads for you

Ed doesn't hold your money or sell you a savings account. Ed reads what your cash is doing and tells you straight.

Idle cash, spotted

Cash sitting at near-zero interest — in checking or a default savings account — shows up in your read automatically, sized in your real numbers.

The gap, explained

What the difference between a default account and a high-yield savings account actually means for your balance, in plain terms.

Savings, in context

A cash balance could be an emergency fund, a house down payment, or money waiting on a decision. Ed knows the difference.

What you can ask Ed

Is my cash earning anything?How much should I actually keep in savings?How many months would my emergency fund actually cover?Where could my savings earn more?
Or ask Ed your own question

The right place for your savings, by when you'll need it

Where your savings belong depends on one question: when will you need the money? Here is the standard answer — checking, high-yield savings, CDs, or invested — in plain terms.

This month · day-to-day spending
CheckingThe usual answer: instant access, earns almost nothing.
ed: $18,400 — more than this month needsAbout five months of spending, sitting at near-zero.
Any day · the emergency fund
High-yield savingsThe usual answer: a day away, earning while it sits.
ed: Nothing here yetYour emergency fund is sitting in checking too.
1–3 years · a named goal
CDs & similarThe usual answer: locked for a term, for a steadier rate.
ed: $12,000 — in the right placeSet aside and untouched since March.
5+ years · untouched money
Investing territoryThe usual answer: growth potential, market risk.
ed: $64,000 — in the right placeLong horizon, invested, not idle.

Every list on the internet stops here — because a list can't see your accounts. Ed can. Connect once, read-only, and Ed reads where your cash actually sits, how much of it is idle, and whether it's in the right place.

Give the idle cash a job.

The cash Ed finds becomes a goal you can watch fill up — emergency fund, down payment, whatever it's for. Ed tracks it with you.

Subscription-only. Read-only. Your data is never sold.

See how Ed protects you

Money at peace.Wealth in motion.

Your money, finally handled. Your life, finally unhurried.

Try Ed Free

FAQ

  • Will Ed move my savings for me?

    No. Ed connects read-only and never touches your money. Ed's job is the read: spotting idle cash, sizing the gap, and laying out the options. Moving the money — and choosing where — stays entirely with you.

  • Does Ed recommend a specific bank or account?

    No. Ed explains account types and what the rate gap means for your balance, but never pushes a specific bank or product. Ed takes no commissions and no referral fees from anyone — so the read stays clean.

  • How does Ed know my cash is idle?

    Through your read-only connections, Ed sees balances and how your money actually moves. Cash that sits for months with no job assigned to it gets flagged — sized in your real numbers.

  • What does it cost?

    The Money Diagnosis and your opening read are free on Hello Ed. The ongoing watch sits on Ed Complete — $39.99 a month or $299.99 a year. No commissions, no ads, no kickbacks: Ed is paid by you, and only you.

  • How much should I keep in a high-yield savings account?

    The common answer: your emergency fund — three to six months of essential expenses — plus any cash you'll need in the next year or two. Money you won't touch for five-plus years is usually a question for investing, not savings. Ed reads your actual balances against your life and shows you where each dollar sits.