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Cheat sheets, worksheets, and tools for deposit-account decisions. Instant download, $9–$79.
Cheat Sheets
High-Yield Savings Account Cheat Sheet
One-page reference: how to evaluate APY, identify teaser rates, check FDIC status, and calculate true yield after fees. PDF, instant download.
Money Market Account Cheat Sheet
One-page reference: tier schedule reading, MMA vs HYSA decision matrix, balance-floor calculator. PDF, instant download.
1-Year CD Cheat Sheet
One-page reference: penalty calculation, auto-renewal traps, breakeven formula for early withdrawal. PDF, instant download.
5-Year CD Cheat Sheet
One-page reference: rate-environment decision matrix, inflation-risk math, early-exit breakeven table. PDF, instant download.
No-Penalty CD Cheat Sheet
One-page reference: rate comparison vs HYSA, lock-period rules by bank, when no-penalty beats standard. PDF, instant download.
IRA CD Cheat Sheet
One-page reference: contribution limits, phase-out thresholds, traditional vs Roth decision table, 2026 limits. PDF, instant download.
Brokerage Cash Sweep Cheat Sheet
One-page reference: how to find your sweep rate, switch to money market fund, compare SIPC vs FDIC coverage. PDF, instant download.
Emergency Fund Sizing Cheat Sheet
One-page reference: multiplier tables by income type, dependent load, health exposure. Find your target in two minutes. PDF, instant download.
Rewards Checking Cheat Sheet
One-page reference: qualification checklist, rate-cap math, comparison vs HYSA for your spending pattern. PDF, instant download.
Business Savings Account Cheat Sheet
One-page reference: FDIC coverage by entity type, fee schedule reading, online vs branch comparison matrix. PDF, instant download.
Kids Savings Account Cheat Sheet
One-page reference: custodial vs joint account rules, age-of-majority conversion, kiddie tax threshold table. PDF, instant download.
Worksheets
Emergency Fund Builder Worksheet
Four-page guided worksheet: core-expense inventory, income-stability multiplier, target balance calculation, and account-selection checklist. PDF, printable.
CD Ladder Planning Worksheet
Four-page worksheet: yield-curve check, rung-sizing calculator, penalty breakeven analysis, and maturity-rollover tracker. PDF, printable.
Personal Deposit Portfolio Audit Worksheet
Guided review of your full deposit footprint: FDIC coverage check, rate vs opportunity-cost table, product-fit analysis. PDF, printable.
Business Banking Setup Worksheet
Five decision points for small-business banking: entity type, FDIC coverage calculation, fee-structure comparison, documentation checklist. PDF, printable.
Tools
CD Ladder Planner (Interactive)
Spreadsheet-based CD ladder planner: enter principal, terms, and rates; auto-calculates weighted yield, total interest, and maturity schedule. Excel + Google Sheets.
Scripts
Rate-Shop Negotiation Script
Word-for-word script for calling your bank to negotiate a higher savings rate. Includes objection-handling notes and a rate-quote tracking sheet. PDF, 3 pages.
Bundles
Complete Deposit Library (All 18 Products)
Every cheat sheet, worksheet, planner, and script in one bundle. 18 files, $9–$19 retail value; bundled at $79.
About These Products
All cheat sheets and worksheets are written by Margery Penrose, CFP, and reflect rate data from our most recent weekly survey. PDFs are formatted for print (US Letter) and screen use. Purchases are processed via Gumroad — instant digital delivery. No physical products are shipped.
For bulk purchases (10+ units) or licensing for use in a financial planning practice: email us.
Looking for personalised review rather than a template? See the deposit audit service.