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Budgeting basics

A budget is a spending plan that helps you understand how much money you're making and where you're spending it. A budget is the cornerstone of a strong financial plan.

Budgeting tips

A couple budgets together.
Bankrate offers 18 ideas for stretching your budget to save money.
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If your discretionary income is low, you could pay $0 on your federal student loans.
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Our guide tackles the basics of disposable income and how you can use it to budget.

Calculate your savings

Use our Savings Calculator to help you quickly and accurately estimate the growth of your investment. Set a goal and figure out how much you need to save each month to hit the mark.

Latest articles

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Compare the best high-yield savings rates as of September 8, 2025.
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These CD specials help you earn more money on interest without taking on risk.
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Single people and young families tend to have significantly less saved.
Panorama of aerial view of Downtown Houston, Texas, USA
As the old saying goes: “Everything is bigger in Texas.” And that’s also true of your list of options when choosing a bank or credit union in the state.
Santa Barbara beach with palm trees and city skyline at sunset, California, USA
California is a large state, and so are your list of options when it comes to banking in the Golden State. With so many options available, it can be tough to find the right fit. But don’t worry, we’ve [...]
Here’s how to boost your savings.
National Valley Bank Building
These institutions stand up for the little guy, but their appeal has waned. Here’s why.
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If you’re interested in the good a bank can do, you should know about these banks.
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It’s important to find the right accounts for your emergency savings.
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Monthly budgets are popular because many expenses, such as rent and bills, occur monthly.
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An emergency fund is an essential part of a solid financial plan.
Rainy day and emergency funds differ but together provide a sound financial plan.
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Here’s a helpful guide to how much you need in savings over the course of your life.
Calendar of 2023
Use this challenge to stash more cash toward your savings goals.
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Creating a timeline is a useful way to plan and meet all your financial goals.
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Financial goals are measuring sticks that apply to any area of your money management skills that you’re looking to improve.
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A savings account can be a great tool to teach your child about money. Here are a few of our favorites.
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It’s important to find the right accounts for your emergency savings.
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Here’s how much $10,000 in a high-yield savings account can earn you.
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For many of us, saving money feels like an uphill battle.
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Here’s how multiple savings accounts can help you reach your financial goals.
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How Reg. D impacts your savings account and why it pays to check with your bank.
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The best account to save your money will vary by your goal.
Image by GettyImages, Illustrated by Bankrate
The APY percentage shows how much an account earns per year. Here’s what you need to know.
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