Cash Reality-Check
Tell us your cash setup and get two numbers in under a minute: how much safe yield you may be leaving on the table each year, and how much of your cash sits uninsured above FDIC limits. Nothing is hidden and no signup is needed to see your gaps.
Yield gap
Coverage gap
Your full breakdown
Yield gap math
Coverage gap math
Note: if you also bank directly at an institution that is in your sweep network, those balances stack against the same $250,000 limit, so your real coverage may be lower than a sweep alone suggests.
The fix
Grab the one-page startup treasury policy template to lock in a written rule for how much cash sits where.
This is an estimate, not financial advice. RunwayTreasury is a publisher, not a bank, broker-dealer, or financial adviser. Benchmark safe yield is 3.5% (as of Sep 2026, varies); rates move constantly, so confirm live rates on the provider's own disclosures before you move money. FDIC insures bank deposits up to $250,000 per depositor, per insured bank, per ownership category; treasury and money-market fund products are not FDIC-insured and may instead carry SIPC coverage, which protects against broker failure, not market loss. See our methodology and disclosures.
Benchmarks reviewed September 2026. Every figure is dated or flagged for verification. This tool does not store your inputs; the math runs entirely in your browser.