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https://nerdwallet.com

Performance

· 17 checks — Lighthouse + waterfall + sustainability rolled into one auditable list.
SCORE
73
GRADE
C
FIX
5
REVIEW
3
PASS
7
INFO
2

Performance-focused optimization plan with CWV assessment, top offenders, and time estimates

Mobile Desktop
46
Performance Overall performance score (0–100) based on Core Web Vitals and other metrics. 90+ is good.
84
Accessibility Measures how accessible the page is for users with disabilities. Checks color contrast, ARIA labels, and semantic HTML.
81
Best Practices Checks for modern web development best practices including HTTPS, no console errors, and secure JavaScript.
100
SEO Measures basic SEO optimizations: meta tags, crawlability, link text, and mobile friendliness.

First Contentful Paint First Contentful Paint — how long until the browser renders the first piece of content. Under 1.8s is good.

3.43 s

Largest Contentful Paint Largest Contentful Paint — how long until the largest visible element loads. Under 2.5s is good.

5.15 s

Total Blocking Time Total Blocking Time — total time the main thread was blocked, preventing user input. Under 200ms is good.

1.65 s

Cumulative Layout Shift Cumulative Layout Shift — measures visual stability. How much the page layout shifts during loading. Under 0.1 is good.

0.000

Speed Index Speed Index — how quickly content is visually displayed during load. Under 3.4s is good.

4.21 s

Time to Interactive Time to Interactive — how long until the page is fully interactive and responds to user input. Under 3.8s is good.

15.71 s

Page Load Progression

605 ms
1.2 s
1.8 s
2.4 s
3.0 s
3.6 s
4.2 s
4.8 s
Checks
17
7 PASS 3 REVIEW 5 FIX
D
Third-Party Impact
Action
100% third-party, 0 ms blocking
FIX
100% third-party, 0 ms blocking
Warning::
Third-party code accounts for 100% of page weight (1.7 MiB of 1.7 MiB)
Info::
Third-party blocking time is low (0 ms)
100%
First-party Third-party
F
JS Execution Cost
Action
6938ms total JS execution
FIX
6938ms total JS execution
Warning::
https://www.nerdwallet.com/: 2056ms CPU time
Warning::
Unattributable: 996ms CPU time
Warning::
https://www.nerdwallet.com/front-page-astro/assets...: 883ms CPU time
Warning::
https://www.nerdwallet.com/front-page-astro/assets...: 485ms CPU time
Warning::
https://cdn.cookielaw.org/scripttemplates/202508.2...: 306ms CPU time
Warning::
Third-party scripts: 6938ms (100% of total)

Main Thread Breakdown

Script Evaluation 51% Other 27% Style & Layout 9% Script Parsing & Compilation 6% Rendering 4%
ScriptTotalScriptingParse/CompileParty
https://www.nerdwallet.com/2056ms154ms7ms3rd
Unattributable996ms98ms0ms3rd
https://www.nerdwallet.com/front-page-astro/assets/Layout.astro_astro_type_script_index_1_lang.CIYOjZ_o.js883ms770ms1ms3rd
https://www.nerdwallet.com/front-page-astro/assets/client.CbAH-7PF.js485ms393ms1ms3rd
https://cdn.cookielaw.org/scripttemplates/202508.2.0/otBannerSdk.js306ms196ms58ms3rd
https://www.nerdwallet.com/cdn-cgi/challenge-platform/scripts/jsd/main.js293ms276ms3ms3rd
https://www.googletagmanager.com/gtm.js?id=GTM-NVWSKF5254ms166ms83ms3rd
https://www.googletagmanager.com/gtag/js?id=AW-11298004898&cx=c&gtm=4e64k0h2249ms150ms52ms3rd
https://cdn.cookielaw.org/scripttemplates/202508.2.0/otGPP.js237ms214ms18ms3rd
https://www.nerdwallet.com/front-page-astro/assets/GTMDataLayer.C7c1FmBe.js206ms199ms1ms3rd

Showing top 10 of 16 scripts

F
JS Bundles
Action
35 scripts, 609 KB unused
FIX
35 scripts, 609 KB unused
Warning::
https://www.nerdwallet.com/front-page-astro/assets...: 111 KB unused (81%)
Consider code splitting or tree shaking to reduce unused code.
Warning::
https://www.googletagmanager.com/gtag/js?id=AW-112...: 85 KB unused (59%)
Consider code splitting or tree shaking to reduce unused code.
Warning::
https://www.googletagmanager.com/gtag/js?id=AW-979...: 85 KB unused (59%)
Consider code splitting or tree shaking to reduce unused code.
Warning::
https://www.googletagmanager.com/gtag/js?id=AW-175...: 84 KB unused (59%)
Consider code splitting or tree shaking to reduce unused code.
Warning::
https://www.googletagmanager.com/gtag/js?id=GT-WPF...: 84 KB unused (57%)
Consider code splitting or tree shaking to reduce unused code.
Info::
Total unused JavaScript: 609 KB
609 KB unused JavaScript

Downloaded but never executed on this page.

ScriptSizeUnusedMinifiedParty
https://www.nerdwallet.com/front-page-astro/assets/index.BUzZ63G0.js137 KB111 KB (81%)✓3rd
https://www.googletagmanager.com/gtag/js?id=AW-11298004898&cx=c&gtm=4e64k0h2144 KB85 KB (59%)✓3rd
https://www.googletagmanager.com/gtag/js?id=AW-979644386&cx=c&gtm=4e64k0h2144 KB85 KB (59%)✓3rd
https://www.googletagmanager.com/gtag/js?id=AW-17592114049&cx=c&gtm=4e64k0h2144 KB84 KB (59%)✓3rd
https://www.googletagmanager.com/gtag/js?id=GT-WPF683LK&cx=c&gtm=4e64k0h2147 KB84 KB (57%)✓3rd
https://www.googletagmanager.com/gtm.js?id=GTM-NVWSKF5191 KB76 KB (40%)✓3rd
https://cdn.cookielaw.org/scripttemplates/202508.2.0/otBannerSdk.js121 KB62 KB (51%)✓3rd
https://www.nerdwallet.com/front-page-astro/assets/client.CbAH-7PF.js58 KB23 KB (39%)✓3rd
https://cdn.cookielaw.org/scripttemplates/otSDKStub.js?did=c095b28e-6dfb-40a3-a284-794251df86e99 KB—✓3rd
https://cdn.cookielaw.org/scripttemplates/202508.2.0/otGPP.js22 KB—✓3rd

Consider code splitting or tree shaking to reduce unused code.

Why this matters

This bundle has high unused code — code-split or tree-shake to ship only what executes.

Source: web.dev / Lighthouse coverage

Consider code splitting or tree shaking to reduce unused code.

Why this matters

This bundle has high unused code — code-split or tree-shake to ship only what executes.

Source: web.dev / Lighthouse coverage

Consider code splitting or tree shaking to reduce unused code.

Why this matters

This bundle has high unused code — code-split or tree-shake to ship only what executes.

Source: web.dev / Lighthouse coverage

Consider code splitting or tree shaking to reduce unused code.

Why this matters

This bundle has high unused code — code-split or tree-shake to ship only what executes.

Source: web.dev / Lighthouse coverage

Consider code splitting or tree shaking to reduce unused code.

Why this matters

This bundle has high unused code — code-split or tree-shake to ship only what executes.

Source: web.dev / Lighthouse coverage

F
Page Weight Inventory
Action
134 resources · 1.7 MB · 609 KB savings available
FIX
134 resources · 1.7 MB · 609 KB savings available
Warning::
Page weight 721 KB over 1MB target
Got: 1.7 MB Expected: ≤ 1 MB
Info::
~609 KB of savings available
Warning::
133 third-party resources (100% of weight)
134 resources · 1.7 MiB · 133 third-party 721.0 KiB over 1MB target
JavaScript 74% · 1.3 MiB
Image 11% · 199.3 KiB
Document 6% · 111.8 KiB
Font 4% · 76.4 KiB
Other 4% · 64.5 KiB
CSS 0% · 4.5 KiB

~609.4 KiB of savings available

Remove unused JavaScript: 609.4 KiB
F
HTTP Caching
Action
No cache headers
FIX
No cache headers
Warning::
No Cache-Control header found
Browsers will use heuristic caching, which can be unpredictable. Set explicit cache headers.

No Cache-Control header

Adding a Cache-Control header can significantly improve repeat-visit performance.

C
Page Weight Budget
Action
1.7 MB transferred, 134 requests
REVIEW
1.7 MB transferred, 134 requests
Info::
Page weighs 5.6 MB (1.7 MB transferred)
Warning::
JavaScript is 1.3 MB — consider code splitting or lazy loading
Large JavaScript bundles delay interactivity. Split code by route or defer non-critical scripts.
Got: 1.3 MB
Warning::
134 HTTP requests — consider bundling or reducing
Each request adds latency. Bundle small files, use sprites, or eliminate unnecessary requests.
Info::
Estimated 0.36 g CO2 per page load
1.7 MB / 2.4 MB budget
1.7 MB transferred
134 requests
0.36 g CO2 per page load
JavaScript 1.3 MiB 74%
Images 197.5 KiB 11%
HTML 111.5 KiB 6%
Fonts 76.4 KiB 4%
Other 64.7 KiB 4%
Other 3.7 KiB 0%
Other 2.1 KiB 0%
Other 696 B 0%
Other 0 B 0%
0 2.4 MB 4.9 MB
Approaching limit

Large JavaScript bundles delay interactivity. Split code by route or defer non-critical scripts.

Why this matters

JavaScript bundle is large — code-split routes and lazy-load off-screen components to defer.

Source: web.dev

Each request adds latency. Bundle small files, use sprites, or eliminate unnecessary requests.

Why this matters

High HTTP request count — bundling, sprite-ing, and HTTP/2 server push can reduce per-request overhead.

Source: web.dev

B
Image Optimization
48 images, 0 KB saveable
REVIEW
48 images, 0 KB saveable
Info::
All images are well-optimized
48 images 197 KB
0 oversized -0 KB
10 legacy format
0 missing dimensions CLS risk
C
Green Hosting
Action
Whether the site is served from green-energy infrastructure
REVIEW

Green Hosting

No green hosting detected

A+
Text Compression
All text resources are compressed
PASS
All text resources are compressed
Info::
All text resources are compressed
All text resources are properly compressed.
A+
Font Loading
6 fonts (76 KB)
PASS
6 fonts (76 KB)
Info::
6 font(s) use font-display: swap (FOUT risk but functional)

Web fonts

6

76 KB total

Render-blocking

0

of 6

Dominant font-display

swap

Most common across fonts

Font loading timeline
Transfer FOIT (block) FOUT (swap)
0 ms 1.0 s 2.0 s 3.0 s 4.0 s 5.0 s FCP 3.4 s LCP 5.2 shttps://www.nerdwallet.com/cdn/fonts/Gotham-Book--critical.fdbad282be.woff2Gotham-Book--critical.f... https://www.nerdwallet.com/cdn/fonts/Gotham-Book--critical.fdbad282be.woff2 — 10.2 KiB — 33 ms — font-display: swaphttps://www.nerdwallet.com/cdn/fonts/Gotham-Medium--critical.ee5c613487.woff2Gotham-Medium--critical... https://www.nerdwallet.com/cdn/fonts/Gotham-Medium--critical.ee5c613487.woff2 — 10.1 KiB — 27 ms — font-display: swaphttps://www.nerdwallet.com/cdn/fonts/Gotham-Bold--critical.dcf83fb890.woff2Gotham-Bold--critical.d... https://www.nerdwallet.com/cdn/fonts/Gotham-Bold--critical.dcf83fb890.woff2 — 9.8 KiB — 33 ms — font-display: swaphttps://www.nerdwallet.com/cdn/fonts/ChronicleDisplay-Roman--critical.835fdb1566.woff2ChronicleDisplay-Roman-... https://www.nerdwallet.com/cdn/fonts/ChronicleDisplay-Roman--critical.835fdb1566.woff2 — 10.9 KiB — 30 ms — font-display: swaphttps://www.nerdwallet.com/cdn/fonts/ChronicleDisplay-Roman--full.12c090e2b2.woff2ChronicleDisplay-Roman-... https://www.nerdwallet.com/cdn/fonts/ChronicleDisplay-Roman--full.12c090e2b2.woff2 — 11.3 KiB — 31 ms — font-display: swaphttps://www.nerdwallet.com/cdn/fonts/Gotham-Book--full.a4076b3a82.woff2Gotham-Book--full.a4076... https://www.nerdwallet.com/cdn/fonts/Gotham-Book--full.a4076b3a82.woff2 — 24.1 KiB — 19 ms — font-display: swap
Gotham-Book--critical.f... woff2 swap
Size 10 KB
Load time 33 ms
Start 192 ms
Risk FOUT — text flashes from fallback to web font
Gotham-Medium--critical... woff2 swap
Size 10 KB
Load time 27 ms
Start 192 ms
Risk FOUT — text flashes from fallback to web font
Gotham-Bold--critical.d... woff2 swap
Size 10 KB
Load time 33 ms
Start 193 ms
Risk FOUT — text flashes from fallback to web font
ChronicleDisplay-Roman-... woff2 swap
Size 11 KB
Load time 30 ms
Start 193 ms
Risk FOUT — text flashes from fallback to web font
ChronicleDisplay-Roman-... woff2 swap
Size 11 KB
Load time 31 ms
Start 194 ms
Risk FOUT — text flashes from fallback to web font
Gotham-Book--full.a4076... woff2 swap
Size 24 KB
Load time 19 ms
Start 402 ms
Risk FOUT — text flashes from fallback to web font
Optimization checklist
  • Preload critical fonts (priority=high)
  • Use woff2 format for all fonts
  • Set font-display to swap, optional, or fallback
  • Subset large fonts (≤100 KB each)
A+
Resource Caching
All resources properly cached
PASS
All resources properly cached
Info::
No caching issues found
All static resources have appropriate caching headers.
A+
Critical Rendering Path
No render-blocking resources
PASS
No render-blocking resources
Info::
No render-blocking resources detected
A+
Resource Hints
10 hints, 0 missing preconnects
PASS
10 hints, 0 missing preconnects
Info::
Page uses 10 resource hint(s)

Current Resource Hints

preconnect
1
preload
9
dns-prefetch
—
prefetch
—

10 resource hints configured

A+
Render-Blocking Resources
No render-blocking resources detected
PASS
No render-blocking resources detected
Info::
No render-blocking resources detected in <head>
A+
Third-Party Resources
No third-party resources detected
PASS
No third-party resources detected
Network Waterfall
134 requests over 4396ms
INFO
0 ms 1.0 s 2.0 s 3.0 s 4.0 s 5.0 s FCP 3.4 s LCP 5.2 shttps://nerdwallet.com// https://nerdwallet.com/ — 301 — 347 B — 26 ms — h2https://www.nerdwallet.com/www.nerdwallet.com/ https://www.nerdwallet.com/ — 200 — 111.5 KiB — 151 ms — h3https://www.nerdwallet.com/cdn/fonts/Gotham-Book--critical.fdbad282be.woff2www.nerdwallet.com/cdn/fonts/Gotham... https://www.nerdwallet.com/cdn/fonts/Gotham-Book--critical.fdbad282be.woff2 — 200 — 10.2 KiB — 33 ms — h3https://www.nerdwallet.com/cdn/fonts/Gotham-Medium--critical.ee5c613487.woff2www.nerdwallet.com/cdn/fonts/Gotham... https://www.nerdwallet.com/cdn/fonts/Gotham-Medium--critical.ee5c613487.woff2 — 200 — 10.1 KiB — 27 ms — h3https://www.nerdwallet.com/cdn/fonts/Gotham-Bold--critical.dcf83fb890.woff2www.nerdwallet.com/cdn/fonts/Gotham... https://www.nerdwallet.com/cdn/fonts/Gotham-Bold--critical.dcf83fb890.woff2 — 200 — 9.8 KiB — 33 ms — h3https://www.nerdwallet.com/cdn/fonts/ChronicleDisplay-Roman--critical.835fdb1566.woff2www.nerdwallet.com/cdn/fonts/Chroni... https://www.nerdwallet.com/cdn/fonts/ChronicleDisplay-Roman--critical.835fdb1566.woff2 — 200 — 10.9 KiB — 30 ms — h3https://www.nerdwallet.com/cdn/fonts/ChronicleDisplay-Roman--full.12c090e2b2.woff2www.nerdwallet.com/cdn/fonts/Chroni... https://www.nerdwallet.com/cdn/fonts/ChronicleDisplay-Roman--full.12c090e2b2.woff2 — 200 — 11.3 KiB — 31 ms — h3https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Fcdn%2Ffront-page-astro%2Fheader%2Fmweb%2Fheader-background-image-202601161024.webp&w=828&h=345&q=72&f=webpwww.nerdwallet.com/_image?href=http... https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Fcdn%2Ffront-page-astro%2Fheader%2Fmweb%2Fheader-background-image-202601161024.webp&w=828&h=345&q=72&f=webp — 200 — 14.5 KiB — 210 ms — h3https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Fcdn%2Ffront-page-astro%2Fheader%2Fmweb%2Fheader-background-image-202601161024.webp&w=750&h=313&q=72&f=webpwww.nerdwallet.com/_image?href=http... https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Fcdn%2Ffront-page-astro%2Fheader%2Fmweb%2Fheader-background-image-202601161024.webp&w=750&h=313&q=72&f=webp — 200 — 12.7 KiB — 111 ms — h3https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Fcredit-cards.DOilJ5Q7.png&w=72&h=72&f=webpwww.nerdwallet.com/_image?href=http... https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Fcredit-cards.DOilJ5Q7.png&w=72&h=72&f=webp — 200 — 2.5 KiB — 125 ms — h3https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Finsurance.D1tGd8dG.png&w=72&h=72&f=webpwww.nerdwallet.com/_image?href=http... https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Finsurance.D1tGd8dG.png&w=72&h=72&f=webp — 200 — 3.0 KiB — 110 ms — h3https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Fmortgages.BFIxlirl.png&w=72&h=72&f=webpwww.nerdwallet.com/_image?href=http... https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Fmortgages.BFIxlirl.png&w=72&h=72&f=webp — 200 — 3.4 KiB — 84 ms — h3https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Fpersonal-loans.C-zUT11-.png&w=72&h=72&f=webpwww.nerdwallet.com/_image?href=http... https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Fpersonal-loans.C-zUT11-.png&w=72&h=72&f=webp — 200 — 2.8 KiB — 87 ms — h3https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Fsmall-business.u8iPzoCO.png&w=72&h=72&f=webpwww.nerdwallet.com/_image?href=http... https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Fsmall-business.u8iPzoCO.png&w=72&h=72&f=webp — 200 — 2.5 KiB — 85 ms — h3https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Fbanking.Di5Auzcu.png&w=72&h=72&f=webpwww.nerdwallet.com/_image?href=http... https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Ffront-page-astro%2Fassets%2Fbanking.Di5Auzcu.png&w=72&h=72&f=webp — 200 — 2.6 KiB — 81 ms — h3https://cdns3.nerdwallet.com/front-page-astro/icons/Minus.svgcdns3.nerdwallet.com/front-page-ast... https://cdns3.nerdwallet.com/front-page-astro/icons/Minus.svg — 200 — 1.0 KiB — 76 ms — h3https://cdns3.nerdwallet.com/front-page-astro/icons/Plus.svgcdns3.nerdwallet.com/front-page-ast... https://cdns3.nerdwallet.com/front-page-astro/icons/Plus.svg — 200 — 1.1 KiB — 72 ms — h3https://cdns3.nerdwallet.com/front-page-astro/icons/ArrowRight.svgcdns3.nerdwallet.com/front-page-ast... https://cdns3.nerdwallet.com/front-page-astro/icons/ArrowRight.svg — 200 — 1.3 KiB — 70 ms — h3data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIGhlaWdodD0iMjdweCIgd…data:image/svg+xml;base64,PHN2ZyB4b... data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIGhlaWdodD0iMjdweCIgd… — 200 — 0 B — 0 ms — datadata:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2221px%2…data:image/svg+xml,%3Csvg%20xmlns%3... data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2221px%2… — 200 — 0 B — 0 ms — datadata:image/svg+xml,<svg width="200" height="45" viewBox="0 0 200 45" fill="none" xmlns="http://www.…www.… data:image/svg+xml,<svg width="200" height="45" viewBox="0 0 200 45" fill="none" xmlns="http://www.… — 200 — 0 B — 0 ms — datadata:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAUwAAABvCAMAAACw/wlBAAAAAXNSR0IArs4c6QAAAARnQU1BAACxj…data:image/png;base64,iVBORw0KGgoAA... data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAUwAAABvCAMAAACw/wlBAAAAAXNSR0IArs4c6QAAAARnQU1BAACxj… — 200 — 0 B — 0 ms — datadata:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAUwAAABvCAMAAACw/wlBAAAAAXNSR0IArs4c6QAAAARnQU1BAACxj…data:image/png;base64,iVBORw0KGgoAA... data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAUwAAABvCAMAAACw/wlBAAAAAXNSR0IArs4c6QAAAARnQU1BAACxj… — 200 — 0 B — 0 ms — datadata:image/svg+xml,<svg width="56" height="56" viewBox="0 0 56 56" fill="none" xmlns="http://www.w3…www.w3… data:image/svg+xml,<svg width="56" height="56" viewBox="0 0 56 56" fill="none" xmlns="http://www.w3… — 200 — 0 B — 0 ms — datahttps://www.nerdwallet.com/front-page-astro/assets/Layout.astro_astro_type_script_index_0_lang.BqKo7GpE.jswww.nerdwallet.com/front-page-astro... 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h3https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Fcdn%2Ffront-page-astro%2Fpartner-logos%2Fdiscover.webp&w=84&h=30&f=webpwww.nerdwallet.com/_image?href=http... https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Fcdn%2Ffront-page-astro%2Fpartner-logos%2Fdiscover.webp&w=84&h=30&f=webp — 200 — 1.5 KiB — 103 ms — h3https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Fcdn%2Ffront-page-astro%2Fpartner-logos%2Fbarclays.webp&w=84&h=30&f=webpwww.nerdwallet.com/_image?href=http... https://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Fcdn%2Ffront-page-astro%2Fpartner-logos%2Fbarclays.webp&w=84&h=30&f=webp — 200 — 1.8 KiB — 91 ms — h3https://www.nerdwallet.com/tachyon/2026/04/GettyImages-1272123444.jpg?w=350&q=60&webp=1&strip=allwww.nerdwallet.com/tachyon/2026/04/... https://www.nerdwallet.com/tachyon/2026/04/GettyImages-1272123444.jpg?w=350&q=60&webp=1&strip=all — 200 — 12.7 KiB — 69 ms — 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h2https://www.nerdwallet.com/front-page-astro/assets/auto-track.aY66tmjH.jswww.nerdwallet.com/front-page-astro... https://www.nerdwallet.com/front-page-astro/assets/auto-track.aY66tmjH.js — 200 — 1.3 KiB — 37 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 653 B — 108 ms — h3https://siteusage.nerdwallet.com/v1/psiteusage.nerdwallet.com/v1/p https://siteusage.nerdwallet.com/v1/p — 200 — 616 B — 120 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 613 B — 89 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 612 B — 83 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 614 B — 92 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 615 B — 92 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 615 B — 89 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 613 B — 94 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 617 B — 88 ms — h3https://bat.bing.com/p/action/5000528.jsbat.bing.com/p/action/5000528.js https://bat.bing.com/p/action/5000528.js — 200 — 1.8 KiB — 18 ms — h2https://cdn.cookielaw.org/consent/c095b28e-6dfb-40a3-a284-794251df86e9/0199e088-b085-728f-9a14-a74c2e0bd3ef/en.jsoncdn.cookielaw.org/consent/c095b28e-... https://cdn.cookielaw.org/consent/c095b28e-6dfb-40a3-a284-794251df86e9/0199e088-b085-728f-9a14-a74c2e0bd3ef/en.json — 200 — 32.3 KiB — 40 ms — h2https://www.clarity.ms/tag/uet/5000528www.clarity.ms/tag/uet/5000528 https://www.clarity.ms/tag/uet/5000528 — 200 — 219 B — 49 ms — http/1.1https://bat.bing.com/action/0?ti=5000528&Ver=2&mid=23c37f51-2d10-4515-8ff5-812218954ace&bo=1&sid=480203903dc011f1b22477ab4cbaa3d7&vid=480230403dc011f190d3bd21fc057640&vids=1&msclkid=N&pi=918639831&lg=en-US&sw=412&sh=823&sc=24&tl=NerdWallet%3A%20Finance%20smarter&p=https%3A%2F%2Fwww.nerdwallet.com%2F&r=&lt=529&mtp=1&evt=pageLoad&sv=2&cdb=AQAS&rn=560499bat.bing.com/action/0?ti=5000528&Ve... https://bat.bing.com/action/0?ti=5000528&Ver=2&mid=23c37f51-2d10-4515-8ff5-812218954ace&bo=1&sid=480203903dc011f1b22477ab4cbaa3d7&vid=480230403dc011f190d3bd21fc057640&vids=1&msclkid=N&pi=918639831&lg=en-US&sw=412&sh=823&sc=24&tl=NerdWallet%3A%20Finance%20smarter&p=https%3A%2F%2Fwww.nerdwallet.com%2F&r=&lt=529&mtp=1&evt=pageLoad&sv=2&cdb=AQAS&rn=560499 — 204 — 360 B — 18 ms — h2https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=4ce589a9-c81c-4e87-8be3-187a465f9282&batch_time=1776803147636&_dd.api=fetch-keepalivebrowser-intake-datadoghq.com/api/v2... https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=4ce589a9-c81c-4e87-8be3-187a465f9282&batch_time=1776803147636&_dd.api=fetch-keepalive — 202 — 464 B — 44 ms — http/1.1https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=da775305-3ec3-4272-90d4-c1f523932bd7&batch_time=1776803147639&_dd.api=fetch-keepalivebrowser-intake-datadoghq.com/api/v2... https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=da775305-3ec3-4272-90d4-c1f523932bd7&batch_time=1776803147639&_dd.api=fetch-keepalive — 202 — 464 B — 67 ms — http/1.1https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=7bfd3ee4-2923-4ded-bc36-5ccba33f0dd3&batch_time=1776803147642&_dd.api=fetch-keepalivebrowser-intake-datadoghq.com/api/v2... https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=7bfd3ee4-2923-4ded-bc36-5ccba33f0dd3&batch_time=1776803147642&_dd.api=fetch-keepalive — 202 — 464 B — 91 ms — http/1.1https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=136c45f8-9aba-4c41-9829-84ac8ca87a06&batch_time=1776803147656&_dd.api=fetch-keepalivebrowser-intake-datadoghq.com/api/v2... https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=136c45f8-9aba-4c41-9829-84ac8ca87a06&batch_time=1776803147656&_dd.api=fetch-keepalive — 202 — 464 B — 55 ms — http/1.1https://cdn.cookielaw.org/scripttemplates/202508.2.0/otGPP.jscdn.cookielaw.org/scripttemplates/2... https://cdn.cookielaw.org/scripttemplates/202508.2.0/otGPP.js — 200 — 22.3 KiB — 17 ms — h2https://bat.bing.com/actionp/0?ti=5000528&Ver=2&mid=23c37f51-2d10-4515-8ff5-812218954ace&bo=2&sid=480203903dc011f1b22477ab4cbaa3d7&vid=480230403dc011f190d3bd21fc057640&vids=1&msclkid=N&evt=consent&src=update&cdb=AQET&asc=Gbat.bing.com/actionp/0?ti=5000528&V... https://bat.bing.com/actionp/0?ti=5000528&Ver=2&mid=23c37f51-2d10-4515-8ff5-812218954ace&bo=2&sid=480203903dc011f1b22477ab4cbaa3d7&vid=480230403dc011f190d3bd21fc057640&vids=1&msclkid=N&evt=consent&src=update&cdb=AQET&asc=G — 204 — 233 B — 17 ms — h2https://bat.bing.com/actionp/0?ti=5000528&Ver=2&mid=23c37f51-2d10-4515-8ff5-812218954ace&bo=3&sid=480203903dc011f1b22477ab4cbaa3d7&vid=480230403dc011f190d3bd21fc057640&vids=1&msclkid=N&evt=consent&src=update&cdb=AQET&asc=Gbat.bing.com/actionp/0?ti=5000528&V... https://bat.bing.com/actionp/0?ti=5000528&Ver=2&mid=23c37f51-2d10-4515-8ff5-812218954ace&bo=3&sid=480203903dc011f1b22477ab4cbaa3d7&vid=480230403dc011f190d3bd21fc057640&vids=1&msclkid=N&evt=consent&src=update&cdb=AQET&asc=G — 204 — 231 B — 23 ms — h2https://cdn.cookielaw.org/scripttemplates/202508.2.0/assets/otFloatingRounded.jsoncdn.cookielaw.org/scripttemplates/2... https://cdn.cookielaw.org/scripttemplates/202508.2.0/assets/otFloatingRounded.json — 200 — 2.8 KiB — 20 ms — h2https://cdn.cookielaw.org/scripttemplates/202508.2.0/assets/v2/otPcCenter.jsoncdn.cookielaw.org/scripttemplates/2... https://cdn.cookielaw.org/scripttemplates/202508.2.0/assets/v2/otPcCenter.json — 200 — 13.3 KiB — 20 ms — h2https://cdn.cookielaw.org/scripttemplates/202508.2.0/assets/otCommonStyles.csscdn.cookielaw.org/scripttemplates/2... https://cdn.cookielaw.org/scripttemplates/202508.2.0/assets/otCommonStyles.css — 200 — 4.5 KiB — 17 ms — h2https://bat.bing.com/actionp/0?ti=5000528&Ver=2&mid=23c37f51-2d10-4515-8ff5-812218954ace&bo=4&sid=480203903dc011f1b22477ab4cbaa3d7&vid=480230403dc011f190d3bd21fc057640&vids=1&msclkid=N&evt=dedup&asc=Gbat.bing.com/actionp/0?ti=5000528&V... https://bat.bing.com/actionp/0?ti=5000528&Ver=2&mid=23c37f51-2d10-4515-8ff5-812218954ace&bo=4&sid=480203903dc011f1b22477ab4cbaa3d7&vid=480230403dc011f190d3bd21fc057640&vids=1&msclkid=N&evt=dedup&asc=G — 204 — 232 B — 18 ms — h2https://cdn.cookielaw.org/logos/static/ot_close.svgcdn.cookielaw.org/logos/static/ot_c... https://cdn.cookielaw.org/logos/static/ot_close.svg — 200 — 495 B — 15 ms — h2https://cdn.cookielaw.org/logos/static/ot_guard_logo.svgcdn.cookielaw.org/logos/static/ot_g... https://cdn.cookielaw.org/logos/static/ot_guard_logo.svg — 200 — 515 B — 16 ms — h2https://cdn.cookielaw.org/logos/static/ot_company_logo.pngcdn.cookielaw.org/logos/static/ot_c... https://cdn.cookielaw.org/logos/static/ot_company_logo.png — 200 — 19.1 KiB — 15 ms — h2https://cdn.cookielaw.org/logos/static/powered_by_logo.svgcdn.cookielaw.org/logos/static/powe... https://cdn.cookielaw.org/logos/static/powered_by_logo.svg — 200 — 2.5 KiB — 18 ms — h2https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=5658ed4c-a3fb-4a45-a5cb-3e8359687aa7&batch_time=1776803147858&_dd.api=fetch-keepalivebrowser-intake-datadoghq.com/api/v2... https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=5658ed4c-a3fb-4a45-a5cb-3e8359687aa7&batch_time=1776803147858&_dd.api=fetch-keepalive — 202 — 464 B — 31 ms — http/1.1https://www.nerdwallet.com/front-page-astro/assets/NewsCarousel.XvwgmkdT.jswww.nerdwallet.com/front-page-astro... https://www.nerdwallet.com/front-page-astro/assets/NewsCarousel.XvwgmkdT.js — 200 — 9.0 KiB — 35 ms — h3https://www.nerdwallet.com/front-page-astro/assets/SeeFullTermsTooltip.CK3xZXhj.jswww.nerdwallet.com/front-page-astro... https://www.nerdwallet.com/front-page-astro/assets/SeeFullTermsTooltip.CK3xZXhj.js — 200 — 2.0 KiB — 48 ms — h3https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=3df0baa2-65eb-485e-b0a9-08c3d2160427&batch_time=1776803149619&_dd.api=fetch-keepalivebrowser-intake-datadoghq.com/api/v2... https://browser-intake-datadoghq.com/api/v2/rum?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=3df0baa2-65eb-485e-b0a9-08c3d2160427&batch_time=1776803149619&_dd.api=fetch-keepalive — 202 — 464 B — 59 ms — http/1.1
HTML JavaScript CSS Images Fonts XHR/Fetch Other
Third-Party Script Cost
Per-script blocking time, transfer cost, and cache headers
INFO
100% of JavaScript execution is third-party
First-party Third-party 6938ms · 1192KB · €120/mo
www.nerdwallet.com
Other
Costly
Execution 2056ms
Transfer 111 KB
Monthly Cost €36/mo
Unattributable
Other
Costly
Execution 996ms
Transfer 0 KB
Monthly Cost €17/mo
www.nerdwallet.com
Other
Costly
Execution 883ms
Transfer 57 KB
Monthly Cost €15/mo
www.nerdwallet.com
Other
Costly
Execution 485ms
Transfer 58 KB
Unused 39%
Monthly Cost €8/mo
OneTrust
Consent
Essential
Execution 306ms
Transfer 121 KB
Unused 51%
Monthly Cost €5/mo
www.nerdwallet.com
Other
Costly
Execution 293ms
Transfer 0 KB
Monthly Cost €5/mo
Google Tag Manager
Tag Manager
Costly
Execution 254ms
Transfer 191 KB
Unused 40%
Monthly Cost €4/mo
Google Tag Manager
Tag Manager
Costly
Execution 249ms
Transfer 144 KB
Unused 59%
Monthly Cost €4/mo
OneTrust
Consent
Essential
Execution 237ms
Transfer 22 KB
Monthly Cost €4/mo
www.nerdwallet.com
Other
Costly
Execution 206ms
Transfer 1 KB
Monthly Cost €4/mo
Google Tag Manager
Tag Manager
Costly
Execution 201ms
Transfer 147 KB
Unused 57%
Monthly Cost €4/mo
Google Tag Manager
Tag Manager
Optional
Execution 185ms
Transfer 144 KB
Unused 59%
Monthly Cost €3/mo
Google Tag Manager
Tag Manager
Optional
Execution 183ms
Transfer 144 KB
Unused 59%
Monthly Cost €3/mo
www.nerdwallet.com
Other
Optional
Execution 181ms
Transfer 31 KB
Monthly Cost €3/mo
siteusagetools.nerdwallet.com
Other
Optional
Execution 153ms
Transfer 9 KB
Monthly Cost €3/mo
OneTrust
Consent
Essential
Execution 68ms
Transfer 9 KB
Monthly Cost €1/mo

These scripts may cost more than they're worth

  • www.nerdwallet.com adds 2056ms and costs ~€36/month
  • Unattributable adds 996ms and costs ~€17/month
  • www.nerdwallet.com adds 883ms and costs ~€15/month
  • www.nerdwallet.com adds 485ms and costs ~€8/month
  • www.nerdwallet.com adds 293ms and costs ~€5/month
  • Google Tag Manager adds 254ms and costs ~€4/month
  • Google Tag Manager adds 249ms and costs ~€4/month
  • www.nerdwallet.com adds 206ms and costs ~€4/month
  • Google Tag Manager adds 201ms and costs ~€4/month

100% of JavaScript execution time is spent on third-party scripts. Consider auditing which scripts are essential.

Why this matters

When third-party JS execution time exceeds your own, performance gains from frontend work are capped by code you don't own.

Learn more ▾

Every millisecond of third-party JS competes with your own for main-thread time. If their share is bigger than yours, optimization on your code base barely moves the needle. Audit, defer, or remove third-parties before further frontend optimization. Use Lighthouse's third-party audit to identify the worst offenders.

Source: web.dev

www.nerdwallet.com takes 2056ms of CPU time. Consider loading it asynchronously or replacing it with a lighter alternative.

Why this matters

This script has high main-thread execution time — optimize hot paths or defer.

Source: web.dev

Unattributable takes 996ms of CPU time. Consider loading it asynchronously or replacing it with a lighter alternative.

Why this matters

This script has high main-thread execution time — optimize hot paths or defer.

Source: web.dev

www.nerdwallet.com takes 883ms of CPU time. Consider loading it asynchronously or replacing it with a lighter alternative.

Why this matters

This script has high main-thread execution time — optimize hot paths or defer.

Source: web.dev

www.nerdwallet.com takes 485ms of CPU time. Consider loading it asynchronously or replacing it with a lighter alternative.

Why this matters

This script has high main-thread execution time — optimize hot paths or defer.

Source: web.dev

51% of OneTrust's code is unused. The script may be loading features you don't use.

Why this matters

Bundle has high unused-code ratio — tree-shaking and route-splitting recover the wasted bytes.

Source: web.dev

www.nerdwallet.com takes 293ms of CPU time. Consider loading it asynchronously or replacing it with a lighter alternative.

Why this matters

This script has high main-thread execution time — optimize hot paths or defer.

Source: web.dev

Google Tag Manager takes 254ms of CPU time. Consider loading it asynchronously or replacing it with a lighter alternative.

Why this matters

This script has high main-thread execution time — optimize hot paths or defer.

Source: web.dev

Google Tag Manager takes 249ms of CPU time. Consider loading it asynchronously or replacing it with a lighter alternative.

Why this matters

This script has high main-thread execution time — optimize hot paths or defer.

Source: web.dev

59% of Google Tag Manager's code is unused. The script may be loading features you don't use.

Why this matters

Bundle has high unused-code ratio — tree-shaking and route-splitting recover the wasted bytes.

Source: web.dev

www.nerdwallet.com takes 206ms of CPU time. Consider loading it asynchronously or replacing it with a lighter alternative.

Why this matters

This script has high main-thread execution time — optimize hot paths or defer.

Source: web.dev

Google Tag Manager takes 201ms of CPU time. Consider loading it asynchronously or replacing it with a lighter alternative.

Why this matters

This script has high main-thread execution time — optimize hot paths or defer.

Source: web.dev

57% of Google Tag Manager's code is unused. The script may be loading features you don't use.

Why this matters

Bundle has high unused-code ratio — tree-shaking and route-splitting recover the wasted bytes.

Source: web.dev

59% of Google Tag Manager's code is unused. The script may be loading features you don't use.

Why this matters

Bundle has high unused-code ratio — tree-shaking and route-splitting recover the wasted bytes.

Source: web.dev

59% of Google Tag Manager's code is unused. The script may be loading features you don't use.

Why this matters

Bundle has high unused-code ratio — tree-shaking and route-splitting recover the wasted bytes.

Source: web.dev

How third-party costs are calculated

All checks on this page are automated. Results are estimates - run targeted manual reviews when the score affects a release decision.

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