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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.

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Financial markets may drop lower, but APYs on high-yield savings remain high.
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If you have over $25,000 in your savings account, consider these strategies.
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An emergency fund is an essential part of a solid financial plan.
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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.
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.
A majority (81%) of Americans did not increase their emergency savings this year
Here’s how to boost your savings.
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Ready to open a savings account? Here’s what you’ll need to know.
Illustration of construction workers on a roof
An emergency fund is an essential part of a solid financial plan.
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It’s a low interest rate environment, but there are ways to earn more on your money.
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Getting into the habit of paying yourself first is hard. Here are some ideas to help you start.
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Keeping your savings in a bank down the street may seem like the obvious play, but there may be real downsides for doing so.
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Comparing savings rates can ensure you get the best return on your savings.
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