Idle cash, quantified
Your cash has
been napping
Money sitting still isn't neutral — it's a decision you never made. CashNap estimates how long your idle cash has been asleep, and what it could have earned in that time.
scroll — gently, it's sleeping
Wake it up for a second
Four numbers. Rough is fine.
Everything liquid — current, savings, e-wallets.
Emergency fund and near-term plans. This part isn't napping.
Tells us how the pile grew, so old returns aren't charged against new money.
Since you last moved money somewhere it could earn.
How we get there
- Idle cash todaywhat sits above your buffer
— - Idle cash back thenrewind the balance by everything you've added since
— - Add up every month in betweenthe shaded area in the chart below
— - Average time asleepthat total ÷ what's idle today
— - What it could have earnedfixed deposit, compounded monthly on that curve
— - Minus what the bank actually paidthe gap is your CashNap
—
Cash inside your buffer is never counted — it's doing a job.
Where it could have slept instead
Same cash, same timeline, different beds.
Estimates, not promises. The market figure is a long-run average, not a forecast — and not somewhere to park cash you need next month.
Nobody lost anything.
This is just the price of a decision left unmade.
CashNap doesn't stay a calculator
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You are here
Scan
Type the numbers today. Later, upload a statement and let it read them — redact anything you'd rather not share.
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Next
Monitor
“You're now RM12,400 above your buffer.”
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Later
Alert
“RM8,200 has been idle for 30 days.”
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One day
Put it to work
Regulated options matched to how long you can part with it.
Wake your money up.
Nothing to sign up for. Run the numbers and decide.
Run it again