Savings Foundations
Money Market vs HYSA
Compare after-tax yields between a money market fund and a high-yield savings account.
Better After-Tax Home
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Money Market, Net
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HYSA, Net
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After-Tax Interest, One Year
💡 What This Means
Money Market vs HYSA Calculator
The Money Market vs HYSA Calculator settles which account actually keeps more of your money after taxes. You enter your balance, the yield on each option, and your tax bracket, and it returns the after-tax interest from each and the dollar difference between them. Use it when you are deciding where to park cash and the headline rates look close. The account with the higher posted yield is not always the winner once your bracket is applied, and a small annual difference compounds when you carry a large balance for years. Seeing both after-tax figures side by side gives you a clear answer instead of a guess based on advertised rates.