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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.
Young man working on finances at home. He has a laptop open and is using a calculator.
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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The National Credit Union Administration is similar to the FDIC, which covers banks.
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Mobile apps make managing your money a snap and mobile alerts can help protect it.
Person imagining a piggy bank made out of cash.
Ready to open a savings account? Here’s what you’ll need to know.
Photo of Fed Chair Jerome Powell at a podium, holding his hands up.
The Federal Reserve left interest rates unchanged at its first meeting of 2026, keeping borrowing costs in a target range of 3.5-3.75%. This decision (supported by a 10-2 vote) pauses a streak of three [...]
Wells Fargo branch
Looking for a nearby Wells Fargo location or ATM? Here’s how to find the closest ones.
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An emergency fund is an essential part of a solid financial plan.
Jerome Powell, chairman of the US Federal Reserve, during a news conference following a Federal Open Market Committee (FOMC) meeting in Washington, DC.
The big question: How long will the Fed be on hold?
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These features are designed to save you time and money.
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Monthly budgets are popular because many expenses, such as rent and bills, occur monthly.
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 important to find the right accounts for your emergency savings.
Rainy day and emergency funds differ but together provide a sound financial plan.
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.
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.
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank
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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