A web app where users enter their country, amount, timeline, goal, risk tolerance, tax situation, and withdrawal flexibility. The tool compares suitable cash and low-risk investment options, estimates after-tax returns, flags liquidity or capital-risk issues, and produces a simple ranked recommendation with next-step actions.

Higher interest rates have made savings accounts, CDs, fixed deposits, and money market funds attractive again, but options vary widely by country and provider. More people are holding large cash balances after layoffs, inheritance, divorce, relocation, or major life changes and need practical allocation guidance.