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https://nerdwallet.com

Performance

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

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

Mobile Desktop
96
Performance Overall performance score (0–100) based on Core Web Vitals and other metrics. 90+ is good.
92
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.

662 ms

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

1.30 s

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

81 ms

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.

1.18 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.

3.81 s

Page Load Progression

5.6 s
11.2 s
16.8 s
22.4 s
28.1 s
33.7 s
39.3 s
44.9 s
Checks
15
5 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 (1.8 MiB of 1.8 MiB)
Info::
Third-party blocking time is low (0 ms)
100%
First-party Third-party
F
JS Execution Cost
Action
6067ms total JS execution
FIX
6067ms total JS execution
Warning::
https://www.nerdwallet.com/: 3896ms CPU time
Warning::
https://www.nerdwallet.com/front-page-astro/assets...: 676ms CPU time
Warning::
Unattributable: 541ms CPU time
Warning::
https://www.nerdwallet.com/front-page-astro/assets...: 462ms CPU time
Info::
https://www.nerdwallet.com/cdn-cgi/challenge-platf...: 86ms CPU time
Warning::
Third-party scripts: 6067ms (100% of total)

Main Thread Breakdown

Other 42% Script Evaluation 26% Style & Layout 18% Rendering 12%
ScriptTotalScriptingParse/CompileParty
https://www.nerdwallet.com/3896ms50ms2ms3rd
https://www.nerdwallet.com/front-page-astro/assets/client.CbAH-7PF.js676ms471ms0ms3rd
Unattributable541ms30ms0ms3rd
https://www.nerdwallet.com/front-page-astro/assets/Layout.astro_astro_type_script_index_1_lang.CIYOjZ_o.js462ms407ms0ms3rd
https://www.nerdwallet.com/cdn-cgi/challenge-platform/scripts/jsd/main.js86ms81ms1ms3rd
https://www.nerdwallet.com/front-page-astro/assets/index.BhzR2oEV.js84ms80ms0ms3rd
https://cdn.cookielaw.org/scripttemplates/202508.2.0/otBannerSdk.js76ms48ms15ms3rd
https://www.googletagmanager.com/gtm.js?id=GTM-NVWSKF568ms44ms23ms3rd
https://www.nerdwallet.com/front-page-astro/assets/GTMDataLayer.C7c1FmBe.js68ms54ms0ms3rd
https://cdn.cookielaw.org/scripttemplates/202508.2.0/otGPP.js57ms51ms4ms3rd

Showing top 10 of 11 scripts

F
JS Bundles
Action
35 scripts, 607 KB unused
FIX
35 scripts, 607 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-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...: 85 KB unused (59%)
Consider code splitting or tree shaking to reduce unused code.
Warning::
https://www.googletagmanager.com/gtag/js?id=AW-112...: 84 KB unused (58%)
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: 607 KB
607 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-979644386&cx=c&gtm=4e64k0h2144 KB85 KB (59%)✓3rd
https://www.googletagmanager.com/gtag/js?id=AW-17592114049&cx=c&gtm=4e64k0h2144 KB85 KB (59%)✓3rd
https://www.googletagmanager.com/gtag/js?id=AW-11298004898&cx=c&gtm=4e64k0h2144 KB84 KB (58%)✓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 KB20 KB (35%)✓3rd
https://www.nerdwallet.com/cdn-cgi/challenge-platform/h/b/scripts/jsd/0b8fb825cb67/main.js?14 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
155 resources · 1.8 MB · 607 KB savings available
FIX
155 resources · 1.8 MB · 607 KB savings available
Warning::
Page weight 836 KB over 1MB target
Got: 1.8 MB Expected: ≤ 1 MB
Info::
~607 KB of savings available
Warning::
154 third-party resources (100% of weight)
155 resources · 1.8 MiB · 154 third-party 835.6 KiB over 1MB target
JavaScript 69% · 1.3 MiB
Image 16% · 303.3 KiB
Document 6% · 112.6 KiB
Font 4% · 76.4 KiB
Other 4% · 72.6 KiB
CSS 0% · 4.5 KiB

~607.2 KiB of savings available

Remove unused JavaScript: 607.2 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
1.8 MB transferred, 155 requests
REVIEW
1.8 MB transferred, 155 requests
Info::
Page weighs 5.7 MB (1.8 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::
155 HTTP requests — consider bundling or reducing
Each request adds latency. Bundle small files, use sprites, or eliminate unnecessary requests.
Info::
Estimated 0.38 g CO2 per page load
1.8 MB / 2.4 MB budget
1.8 MB transferred
155 requests
0.38 g CO2 per page load
JavaScript 1.3 MiB 69%
Images 301.4 KiB 16%
HTML 112.3 KiB 6%
Fonts 76.4 KiB 4%
Other 72.6 KiB 4%
Other 3.9 KiB 0%
Other 2.1 KiB 0%
Other 694 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
51 images, 0 KB saveable
REVIEW
51 images, 0 KB saveable
Info::
All images are well-optimized
51 images 300 KB
0 oversized -0 KB
9 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 500 ms 1.0 s FCP 662 ms LCP 1.3 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 — 29 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 — 21 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 — 28 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 — 28 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 — 11.2 KiB — 26 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 — 27 ms — font-display: swap
Gotham-Book--critical.f... woff2 swap
Size 10 KB
Load time 29 ms
Start 161 ms
Risk FOUT — text flashes from fallback to web font
Gotham-Medium--critical... woff2 swap
Size 10 KB
Load time 21 ms
Start 162 ms
Risk FOUT — text flashes from fallback to web font
Gotham-Bold--critical.d... woff2 swap
Size 10 KB
Load time 28 ms
Start 163 ms
Risk FOUT — text flashes from fallback to web font
ChronicleDisplay-Roman-... woff2 swap
Size 11 KB
Load time 28 ms
Start 163 ms
Risk FOUT — text flashes from fallback to web font
ChronicleDisplay-Roman-... woff2 swap
Size 11 KB
Load time 26 ms
Start 164 ms
Risk FOUT — text flashes from fallback to web font
Gotham-Book--full.a4076... woff2 swap
Size 24 KB
Load time 27 ms
Start 374 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
No optimization needed
PASS
No optimization needed
Info::
No resource hint issues
Network Waterfall
155 requests over 44307ms
INFO
0 ms 2.0 s 4.0 s 6.0 s 8.0 s 10.0 s 12.0 s 14.0 s 16.0 s 18.0 s 20.0 s 22.0 s 24.0 s 26.0 s 28.0 s 30.0 s 32.0 s 34.0 s 36.0 s 38.0 s 40.0 s 42.0 s 44.0 s 46.0 s FCP 662 ms LCP 1.3 shttps://nerdwallet.com// https://nerdwallet.com/ — 301 — 347 B — 29 ms — h2https://www.nerdwallet.com/www.nerdwallet.com/ https://www.nerdwallet.com/ — 200 — 112.3 KiB — 140 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 — 29 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 — 21 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 — 28 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 — 28 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 — 11.2 KiB — 26 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 — 110 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 — datahttps://www.nerdwallet.com/_image?href=https%3A%2F%2Fwww.nerdwallet.com%2Fcdn%2Ffront-page-astro%2Fheader%2Fmweb%2Fheader-background-image-202601161024.webp&w=1440&h=600&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=1440&h=600&q=72&f=webp — 200 — 30.0 KiB — 143 ms — h3data: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 — datahttps://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 — 111 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 — 137 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 — 101 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 — 95 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 — 104 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 — 91 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 — 1.1 KiB — 43 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 — 45 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 — 1.2 KiB — 48 ms — h3data:image/svg+xml;utf8,<svg viewBox="0 0 56 56" xmlns="http://www.w3.org/2000/svg" fill="rgb(0, 13…www.w3.org/2000/svg" fill="rgb(0, 1... data:image/svg+xml;utf8,<svg viewBox="0 0 56 56" xmlns="http://www.w3.org/2000/svg" fill="rgb(0, 13… — 200 — 0 B — 0 ms — datadata:image/svg+xml;utf8,<svg width="8" height="12" viewBox="0 0 8 12" fill="rgb(0, 130, 84)" xmlns=…data:image/svg+xml;utf8,<svg width=... data:image/svg+xml;utf8,<svg width="8" height="12" viewBox="0 0 8 12" fill="rgb(0, 130, 84)" xmlns=… — 200 — 0 B — 0 ms — datadata:image/svg+xml;utf8,<svg viewBox="0 0 56 56" xmlns="http://www.w3.org/2000/svg" fill="rgb(0, 13…www.w3.org/2000/svg" fill="rgb(0, 1... data:image/svg+xml;utf8,<svg viewBox="0 0 56 56" xmlns="http://www.w3.org/2000/svg" fill="rgb(0, 13… — 200 — 0 B — 0 ms — 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h3https://www.nerdwallet.com/tachyon/2025/08/TUESDAY-MORTGAGE-RATES.jpg?w=640&q=60&webp=1&strip=allwww.nerdwallet.com/tachyon/2025/08/... https://www.nerdwallet.com/tachyon/2025/08/TUESDAY-MORTGAGE-RATES.jpg?w=640&q=60&webp=1&strip=all — 200 — 15.0 KiB — 74 ms — h3https://www.nerdwallet.com/tachyon/2026/04/GettyImages-2157490101.jpg?w=640&q=60&webp=1&strip=allwww.nerdwallet.com/tachyon/2026/04/... https://www.nerdwallet.com/tachyon/2026/04/GettyImages-2157490101.jpg?w=640&q=60&webp=1&strip=all — 200 — 43.4 KiB — 107 ms — h3https://www.nerdwallet.com/tachyon/2026/04/GettyImages-2241429134.jpg?w=640&q=60&webp=1&strip=allwww.nerdwallet.com/tachyon/2026/04/... https://www.nerdwallet.com/tachyon/2026/04/GettyImages-2241429134.jpg?w=640&q=60&webp=1&strip=all — 200 — 34.4 KiB — 126 ms — h3https://www.nerdwallet.com/cdn-cgi/image/format=webp,quality=60,width=48,strip=all/tachyon/2021/12/IMG_3114_edited.jpg?resize=70%2C70www.nerdwallet.com/cdn-cgi/image/fo... 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h3https://www.nerdwallet.com/cdn-cgi/image/format=webp,quality=60,width=564,strip=all/cdn/front-page-astro/hpFeaturedAdComponent/cash-action-ad-image-desktop-2x-20251120.webpwww.nerdwallet.com/cdn-cgi/image/fo... https://www.nerdwallet.com/cdn-cgi/image/format=webp,quality=60,width=564,strip=all/cdn/front-page-astro/hpFeaturedAdComponent/cash-action-ad-image-desktop-2x-20251120.webp — 200 — 19.1 KiB — 58 ms — h3data: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 — 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57 ms — h3https://www.nerdwallet.com/front-page-astro/assets/index.BhzR2oEV.jswww.nerdwallet.com/front-page-astro... https://www.nerdwallet.com/front-page-astro/assets/index.BhzR2oEV.js — 200 — 31.1 KiB — 50 ms — h3https://www.nerdwallet.com/front-page-astro/assets/preload-helper.Ct5FWWRu.jswww.nerdwallet.com/front-page-astro... https://www.nerdwallet.com/front-page-astro/assets/preload-helper.Ct5FWWRu.js — 200 — 1.1 KiB — 46 ms — h3https://www.nerdwallet.com/front-page-astro/assets/ai-chatbot.CENFU1TS.jswww.nerdwallet.com/front-page-astro... https://www.nerdwallet.com/front-page-astro/assets/ai-chatbot.CENFU1TS.js — 200 — 544 B — 31 ms — h3https://www.nerdwallet.com/front-page-astro/assets/client.CbAH-7PF.jswww.nerdwallet.com/front-page-astro... https://www.nerdwallet.com/front-page-astro/assets/client.CbAH-7PF.js — 200 — 58.0 KiB — 56 ms — h3https://www.nerdwallet.com/front-page-astro/assets/HomepageChatIslands.BLu4Wfaz.jswww.nerdwallet.com/front-page-astro... 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h2https://browser-intake-datadoghq.com/api/v2/replay?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=85142f10-14c7-4263-947d-6b27a64447ccbrowser-intake-datadoghq.com/api/v2... https://browser-intake-datadoghq.com/api/v2/replay?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=85142f10-14c7-4263-947d-6b27a64447cc — 202 — 464 B — 86 ms — http/1.1https://www.nerdwallet.com/front-page-astro/assets/index.BbwEXgWp.jswww.nerdwallet.com/front-page-astro... https://www.nerdwallet.com/front-page-astro/assets/index.BbwEXgWp.js — 200 — 3.4 KiB — 49 ms — h3https://www.nerdwallet.com/front-page-astro/assets/is-plan-event-enabled.DeNtQvA5.jswww.nerdwallet.com/front-page-astro... https://www.nerdwallet.com/front-page-astro/assets/is-plan-event-enabled.DeNtQvA5.js — 200 — 753 B — 31 ms — 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h3https://siteusage.nerdwallet.com/v1/psiteusage.nerdwallet.com/v1/p https://siteusage.nerdwallet.com/v1/p — 200 — 617 B — 108 ms — h3https://www.clarity.ms/tag/uet/5000528www.clarity.ms/tag/uet/5000528 https://www.clarity.ms/tag/uet/5000528 — 200 — 219 B — 48 ms — http/1.1https://bat.bing.com/action/0?ti=5000528&Ver=2&mid=5defb548-a52f-4904-a722-a8926554dc25&bo=1&sid=56317b103dc011f1b767a9e73795bbe2&vid=563190b03dc011f1b7138b332aa6364b&vids=1&msclkid=N&pi=918639831&lg=en-US&sw=800&sh=600&sc=24&tl=NerdWallet%3A%20Finance%20smarter&p=https%3A%2F%2Fwww.nerdwallet.com%2F&r=&lt=592&evt=pageLoad&sv=2&cdb=AQAS&rn=93060bat.bing.com/action/0?ti=5000528&Ve... https://bat.bing.com/action/0?ti=5000528&Ver=2&mid=5defb548-a52f-4904-a722-a8926554dc25&bo=1&sid=56317b103dc011f1b767a9e73795bbe2&vid=563190b03dc011f1b7138b332aa6364b&vids=1&msclkid=N&pi=918639831&lg=en-US&sw=800&sh=600&sc=24&tl=NerdWallet%3A%20Finance%20smarter&p=https%3A%2F%2Fwww.nerdwallet.com%2F&r=&lt=592&evt=pageLoad&sv=2&cdb=AQAS&rn=93060 — 204 — 359 B — 16 ms — h2https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 614 B — 83 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 612 B — 82 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 611 B — 84 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t https://siteusage.nerdwallet.com/v1/t — 200 — 614 B — 82 ms — h3https://siteusage.nerdwallet.com/v1/tsiteusage.nerdwallet.com/v1/t 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https://browser-intake-datadoghq.com/api/v2/replay?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=2fbcd26b-4c66-448d-b1ae-101f6e0bd833 — 202 — 464 B — 57 ms — http/1.1https://siteusage.nerdwallet.com/v1/msiteusage.nerdwallet.com/v1/m https://siteusage.nerdwallet.com/v1/m — 200 — 646 B — 123 ms — h3https://browser-intake-datadoghq.com/api/v2/replay?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=79008d3f-3416-40de-81cf-4bd41fd9061bbrowser-intake-datadoghq.com/api/v2... https://browser-intake-datadoghq.com/api/v2/replay?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=79008d3f-3416-40de-81cf-4bd41fd9061b — 202 — 464 B — 59 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=d5d43195-184b-4e7f-a7dc-9cfae19df09e&batch_time=1776803204287&_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=d5d43195-184b-4e7f-a7dc-9cfae19df09e&batch_time=1776803204287&_dd.api=fetch-keepalive — 202 — 464 B — 27 ms — http/1.1https://www.nerdwallet.com/cdn-cgi/image/format=webp,quality=60,width=48,strip=all/tachyon/2024/09/Kate-Wood-Vegas-e1725999175289.png?resize=70%2C70www.nerdwallet.com/cdn-cgi/image/fo... https://www.nerdwallet.com/cdn-cgi/image/format=webp,quality=60,width=48,strip=all/tachyon/2024/09/Kate-Wood-Vegas-e1725999175289.png?resize=70%2C70 — 200 — 1.3 KiB — 42 ms — h3https://browser-intake-datadoghq.com/api/v2/replay?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=c77b8c64-23e9-4b9e-99b9-7197a360a005browser-intake-datadoghq.com/api/v2... https://browser-intake-datadoghq.com/api/v2/replay?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=c77b8c64-23e9-4b9e-99b9-7197a360a005 — 202 — 464 B — 72 ms — http/1.1https://browser-intake-datadoghq.com/api/v2/replay?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=ecf0cea6-15f3-4ada-b04d-3cb921a978d1browser-intake-datadoghq.com/api/v2... https://browser-intake-datadoghq.com/api/v2/replay?ddsource=browser&dd-api-key=pube9f5a8df214ebf0fae485bdbd1c4818f&dd-evp-origin-version=6.25.4&dd-evp-origin=browser&dd-request-id=ecf0cea6-15f3-4ada-b04d-3cb921a978d1 — 202 — 464 B — 53 ms — http/1.1https://www.nerdwallet.com/cdn-cgi/image/format=webp,quality=60,width=48,strip=all/tachyon/2021/12/IMG_3114_edited.jpg?resize=70%2C70www.nerdwallet.com/cdn-cgi/image/fo... https://www.nerdwallet.com/cdn-cgi/image/format=webp,quality=60,width=48,strip=all/tachyon/2021/12/IMG_3114_edited.jpg?resize=70%2C70 — 200 — 0 B — 2 ms — h3
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 6067ms · 741KB · €105/mo
www.nerdwallet.com
Other
Costly
Execution 3896ms
Transfer 112 KB
Monthly Cost €68/mo
www.nerdwallet.com
Other
Costly
Execution 676ms
Transfer 58 KB
Unused 35%
Monthly Cost €12/mo
Unattributable
Other
Costly
Execution 541ms
Transfer 0 KB
Monthly Cost €9/mo
www.nerdwallet.com
Other
Costly
Execution 462ms
Transfer 57 KB
Monthly Cost €8/mo
www.nerdwallet.com
Other
Optional
Execution 86ms
Transfer 0 KB
Monthly Cost €1/mo
www.nerdwallet.com
Other
Optional
Execution 84ms
Transfer 31 KB
Monthly Cost €1/mo
OneTrust
Consent
Essential
Execution 76ms
Transfer 121 KB
Unused 51%
Monthly Cost €1/mo
Google Tag Manager
Tag Manager
Optional
Execution 68ms
Transfer 191 KB
Unused 40%
Monthly Cost €1/mo
www.nerdwallet.com
Other
Optional
Execution 68ms
Transfer 1 KB
Monthly Cost €1/mo
OneTrust
Consent
Essential
Execution 57ms
Transfer 22 KB
Monthly Cost €1/mo
Google Tag Manager
Tag Manager
Optional
Execution 54ms
Transfer 147 KB
Unused 57%
Monthly Cost €1/mo

These scripts may cost more than they're worth

  • www.nerdwallet.com adds 3896ms and costs ~€68/month
  • www.nerdwallet.com adds 676ms and costs ~€12/month
  • Unattributable adds 541ms and costs ~€9/month
  • www.nerdwallet.com adds 462ms and costs ~€8/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 3896ms 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 676ms 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 541ms 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 462ms 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

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

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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