Real ChatGPT answer + Gemini simulation · index seedUUWi5mb2pwIcompleteAI OverviewFinance and banking · budgeting and savingcomparison
Is the SoFi checking and savings combo better than capital one 360 for someone trying to save for a house urgently this year?
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search36 queries10/30/2026
Download run
Gemini unique queries
34
2 in ≥ half the passes · stability 35%
ChatGPT real searches predicted
50%
1 of 2 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
Is the SoFi checking and savings combo better than capital one 360 for someone trying to save for a house urgently this year?
34 unique queries · 3 passes
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Gemini simulated (34)ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 23 of 36 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT2 real searches · gpt-650% predicted
SoFi Checking and Savings current APY requirements fees 2026 official Google ↗
Capital One 360 Performance Savings current APY fees 2026 official Google ↗
- Switching to SoFi Checking and Savings Accounts: What Changes and What Stays the Same? · support.sofi.com
- 2 Checking And Savings Account Bundles We're Loving · cnbc.com
- Capital One Review 2026 · bankrate.com
- High-Yield Rate: 360 Performance Savings · capitalone.com
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
34 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
sofi checking and savings vs capital one 360 REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct feature-by-feature comparison between SoFi and Capital One 360. | Comparison | comparison_table | sofi versus capital one comparison | 2x of 3 | |
sofi current apy checking and savings 2024 RELATED | Google ↗ AI Mode ↗ | The user wants to know the exact current interest rates offered by SoFi for both checking and savings. | Consequence | product_spec_sheet | sofi account reviews and bonuses | 2x of 3 | |
sofi checking and savings vs capital one 360 comparison COMPARATIVE | Google ↗ AI Mode ↗ | The user wants a direct side-by-side comparison of SoFi and Capital One 360 banking features. | Comparison | comparison_table | sofi versus capital one comparison | 1x of 3 | |
sofi savings interest rate vs capital one 360 savingsapy COMPARATIVE | Google ↗ AI Mode ↗ | Compare the current APY offered by SoFi savings versus Capital One 360 savings. | Comparison | comparison_table | sofi versus capital one comparison | 1x of 3 | |
capital one 360 performance savings rate RELATED | Google ↗ AI Mode ↗ | The user wants to check the current savings account interest rate for Capital One 360. | Comparison | product_spec_sheet | capital one 360 features and rates | 1x of 3 | |
best high yield savings account for saving to buy a house fast RELATED | Google ↗ AI Mode ↗ | Discover top-tier high-yield savings accounts optimized for short-term down payment savings. | Comparison | review_roundup | best high yield savings accounts | 1x of 3 | |
capital one 360 performance savings apy and requirements ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to check the specific annual percentage yield and terms for Capital One 360 savings. | Comparison | product_spec_sheet | capital one 360 features and rates | 1x of 3 | |
do i need direct deposit to get sofi high interest rate IMPLICIT | Google ↗ AI Mode ↗ | The user wants to understand the exact requirements to unlock SoFi's advertised high APY. | Comparison | faq_page | sofi apy and direct deposit | 1x of 3 | |
how to maximize savings interest for house down payment in one year IMPLICIT | Google ↗ AI Mode ↗ | Learn strategies and tactics to accelerate house savings within a 12-month timeframe. | Instruction | how_to_steps | short term house savings strategies | 1x of 3 | |
how to maximize savings account interest for house down payment REFORMULATION | Google ↗ AI Mode ↗ | The user is looking for strategies to grow their house fund as fast as possible using high-yield accounts. | Instruction | how_to_steps | short term house savings strategies | 1x of 3 | |
how to maximize high yield savings account for house down payment COMPARATIVE | Google ↗ AI Mode ↗ | The user wants actionable strategies to grow a house fund quickly using high-yield accounts. | Comparison | web_article | short term house savings strategies | 1x of 3 | |
sofi bank sign up bonus checking savings 2024 ENTITY EXPANSION | Google ↗ AI Mode ↗ | Find current promotional cash bonuses for opening SoFi checking and savings accounts. | Other / navigational | web_article | sofi account reviews and bonuses | 1x of 3 | |
best high yield savings account for short term house fund RELATED | Google ↗ AI Mode ↗ | The user wants to see if other banks offer better options than SoFi or Capital One for quick home savings. | Comparison | review_roundup | best high yield savings accounts | 1x of 3 | |
best banks for short term house savings 2024 ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to see if other high-yield accounts beat both SoFi and Capital One for short-term goals. | Comparison | review_roundup | best high yield savings accounts | 1x of 3 | |
capital one 360 checking and savings account requirements fees ENTITY EXPANSION | Google ↗ AI Mode ↗ | Check for any hidden fees, minimum balance requirements, or maintenance costs for Capital One 360. | Reason | product_spec_sheet | capital one 360 features and rates | 1x of 3 | |
do online banks have hidden fees for frequent transfers IMPLICIT | Google ↗ AI Mode ↗ | The user needs to know if transferring money out of SoFi or Capital One frequently incurs penalties. | Reason | faq_page | online bank safety and fees | 1x of 3 | |
sofi vault feature for saving money RELATED | Google ↗ AI Mode ↗ | The user wants to know how SoFi's vault or savings sub-account features work to organize house funds. | Other / navigational | how_to_steps | sofi vault for savings goals | 1x of 3 | |
best bank accounts with direct deposit early pay for fast savers PERSONALIZED | Google ↗ AI Mode ↗ | Identify bank accounts offering early direct deposit features to compound savings faster. | Comparison | buyers_guide | best high yield savings accounts | 1x of 3 | |
sofi direct deposit requirement for high apy RELATED | Google ↗ AI Mode ↗ | The user wants to understand what is required to unlock SoFi's highest advertised interest rate. | Comparison | web_article | sofi apy and direct deposit | 1x of 3 | |
capital one 360 fees and minimums IMPLICIT | Google ↗ AI Mode ↗ | The user wants to verify if Capital One 360 charges any hidden monthly fees or requires minimum balances. | Other / navigational | faq_page | capital one 360 features and rates | 1x of 3 | |
sofi vault vs traditional savings account for house fund RELATED | Google ↗ AI Mode ↗ | Understand how SoFi's Vault feature helps organize and lock away money for specific goals like a house. | Comparison | faq_page | sofi vault for savings goals | 1x of 3 | |
how fast can i withdraw money from capital one 360 to buy a house IMPLICIT | Google ↗ AI Mode ↗ | The user wants to know transfer speeds and availability when closing on a house. | Other / navigational | faq_page | capital one 360 features and rates | 1x of 3 | |
savings calculator for house down payment PERSONALIZED | Google ↗ AI Mode ↗ | The user wants a tool to calculate how much they need to save monthly to buy a house this year. | Comparison | calculator/tool | short term house savings strategies | 1x of 3 | |
compound interest calculator savings for house down payment IMPLICIT | Google ↗ AI Mode ↗ | Calculate how much interest can be earned in a high-yield account over one year. | Comparison | calculator/tool | short term house savings strategies | 1x of 3 | |
saving for a house in one year realistic strategy PERSONALIZED | Google ↗ AI Mode ↗ | The user seeks validation and budgeting methods for aggressively saving a down payment in 12 months. | Reason | buyers_guide | short term house savings strategies | 1x of 3 | |
sofi checking and savings review 2024 RELATED | Google ↗ AI Mode ↗ | The user wants an expert evaluation of the pros and cons of using SoFi's combined account. | Reason | review_roundup | sofi account reviews and bonuses | 1x of 3 | |
are online banks like sofi and capital one safe for large house deposits RELATED | Google ↗ AI Mode ↗ | Verify FDIC insurance limits and safety measures for online-only banks holding large down payments. | Comparison | web_article | online bank safety and fees | 1x of 3 | |
sofi vault feature for house savings goals ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to know if SoFi has sub-accounts or budgeting tools to organize house savings. | Other / navigational | web_article | sofi vault for savings goals | 1x of 3 | |
capital one 360 performance savings review RELATED | Google ↗ AI Mode ↗ | The user wants an expert review focusing specifically on Capital One's savings account experience. | Reason | review_roundup | capital one 360 features and rates | 1x of 3 | |
sofi checking and savings requirements for highest apy REFORMULATION | Google ↗ AI Mode ↗ | Find out what conditions (like direct deposit) are needed to unlock SoFi's maximum interest rate. | Comparison | faq_page | sofi apy and direct deposit | 1x of 3 | |
capital one 360 automatic savings plans review ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to evaluate Capital One's automated savings tools. | Reason | review_roundup | capital one 360 features and rates | 1x of 3 | |
is money safe in sofi and capital one fdic insured IMPLICIT | Google ↗ AI Mode ↗ | The user wants confirmation that their large down payment funds will be fully FDIC insured in these digital banks. | Comparison | faq_page | online bank safety and fees | 1x of 3 | |
reddit sofi vs capital one 360 savings experience RELATED | Google ↗ AI Mode ↗ | Read real customer reviews and personal experiences comparing SoFi and Capital One 360 customer service and app usability. | Comparison | forum/qna | sofi versus capital one comparison | 1x of 3 | |
compound interest calculator for savings goal 1 year RELATED | Google ↗ AI Mode ↗ | The user wants to calculate exact interest earnings over a year based on different deposit amounts. | Instruction | calculator/tool | short term house savings strategies | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 929 / 1,540 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 929 / 1,556 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 929 / 1,477 |