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Assumes an individual who resides in New York City, is Married Filing Jointly, and has a household income of $400,000.


Pre-Tax Yield

After-Tax Yield

Product Fees (Annual)

Take Home $ on $100,000

Smart Cash

Cash Equivalents
Treasury Bills5.30%3.60%0.60%$2,972
National Savings Account AverageSavings0.47%0.27%-$269

The above chart is for informational purposes only. It compares estimated after-tax yields and annual earnings calculated from: (1) the 7-day Yields as of 7/22/2024 of Vanguard Treasury Money Market Fund (VUSXX) and the Schwab U.S. Treasury Money Fund (collectively the “Treasury Funds”) offered in Titan’s Smart Cash; (2) the annualized 26-week T-bill rate as of 2/16/2024 when held to maturity offered by Public Holdings, Inc.; (3) the APY offered by other service providers (data correct as of 4/1/2024); and (4) the National Savings Account Average rate calculated and reported by the Federal Deposit Insurance Corporation as of 3/18/2024 (Source: FDIC Website). Certain funds have specific investment minimums, which can be up to $3,000. Investors who invest amounts below these minimums may experience lower yields than those advertised. Yields will fluctuate over time, and are not a forecast or guarantee of future earnings.The after-tax estimations for our Treasury Funds assume that the current 7-Day Yields remain constant for a year, which may not reflect actual earnings due to the fluctuating nature of the 7-Day Yields. Our Treasury Funds' after-tax estimations consider the percentage of a Fund's holdings in U.S. debt obligations. The yields shown for other service providers represent their APY offerings, which account for the effects of compounding.The estimations assume certain tax rates and financial circumstances that do not apply to every individual. The exact figures depend on a multitude of factors including federal and state tax rates, and the individual's income and tax filing status. The figures presented are based on assumptions and may not apply to all individual circumstances. Actual after-tax earnings may be higher or lower, depending on numerous factors including the frequency of compounding, variability of the yield, and individual tax situations.All investments involve risks. Nothing in this content should be construed as investment advice. View Smart Cash risks & disclosures at

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