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Your Money Might Be Underperforming — Here's How to Find Out in 60 Seconds
- Filippo Corbelli
- 24 hours ago
- 2 min read
Most of us will happily spend an afternoon comparing phone plans or hunting for a cheaper energy tariff. But how often do we actually check whether our savings, investments and pensions are working as hard as they could be?
For most people, the honest answer is: almost never. Not because we don't care — but because it's genuinely hard to know where to look. Statements are dense, jargon gets in the way, and the "boring" accounts quietly tick along in the background, potentially costing you money year after year.
That's exactly the problem we built the Account Optimizer to solve.
What is the Account Optimizer?
The Account Optimizer is a tool inside Moola that reviews your accounts — savings, investments and pensions — and gives you a clear, benchmarked picture of where you stand. Instead of leaving you to interpret raw numbers, it surfaces product-level improvements: the specific places where your money could be doing better.
In under a minute, it helps you spot things like:
Cash that's underperforming — savings sitting in an account paying far less than what's available elsewhere.
Investments lagging the market — holdings quietly underperforming a relevant benchmark, so you can ask whether they still earn their place.
Fees eating into your returns — the charges that are easy to forget but compound against you over time.
Just a straightforward view of your financial picture and what to consider next.
See it in action
We put together a quick demo so you can see exactly how it works — from opening the tool to reading your results:
Why "product-level" matters
Plenty of budgeting tools tell you what you spend. Far fewer help you evaluate the quality of the financial products you already hold. Yet that's often where the biggest, most overlooked wins are hiding.
A savings account paying 1% instead of a widely available higher rate might not feel dramatic month to month — but across a few years, on a meaningful balance, the gap adds up. The same goes for an investment that consistently trails its benchmark, or a legacy account with fees you've long since stopped noticing. The Account Optimizer is designed to bring those quiet, cumulative issues into the light so you can make an informed decision.
How to use it
Open the Account Optimizer and connect or add your accounts.
Review your results — each account is benchmarked so you can see how it's performing at a glance.
Decide what to do next — the tool highlights where there's room to improve, so you can take action with clarity.
The whole thing takes about a minute. And it's the kind of check worth repeating every few months, because rates, markets and your own circumstances all change.
Ready to see where your money stands?
You don't need to be a finance expert to know whether your accounts are pulling their weight — you just need the right lens.
This article is for general information only and does not constitute financial advice. Moola helps you understand and organise your finances so you can make informed decisions.
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