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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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Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
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Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
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Still wrestling with inflation, Fed officials might not be so quick to rescue the economy.
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Verizon and Openbank announced a partnership on Tuesday that gives Verizon customers a way to save money on their bill if they have an Openbank High Yield Savings account. Verizon customers can save money [...]
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Emergency savings depleted? Here’s how to start replenishing it.
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There are a handful of numbers you should track for your financial health and well-being. A few you might already know about – your credit score and your net worth, for example. But you should also know [...]
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As the old saying goes: What goes up, must come down. But in the case of annual percentage yields (APYs), we might have a bit more air time. While APYs on deposit accounts may have come down from their [...]
Image by Getty Images, illustration by Bankrate
Electronic checks (eChecks) offer a digital alternative to traditional paper checks, allowing you to make payments directly from your checking account online. Learn how eChecks work, when to use them, [...]
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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.
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It’s important to find the right accounts for your emergency savings.
Rainy day and emergency funds differ but together provide a sound financial plan.
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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.
Illustrated by Bankrate
Big banks pay just 0.01% APY while online banks offer 4% or more. Your $10,000 could earn over $800 more over two years.
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Comparing savings rates can ensure you get the best return on your savings.
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The best account to save your money will vary by your goal.
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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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High-yield savings rates fluctuate over time. Let’s explore what causes that.
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The top high-yield savings accounts are currently earning APYs of 5 percent and greater.
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Savers can stash their cash in a brokerage these days to rack up returns.
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Interest is the price you pay to borrow money or the cost you charge to lend money.
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