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.

Envelope budgeting

Zero-based budget

Create a home budget

Budgeting tips

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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.

Essential reading

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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Latest articles

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Aging parents are a growing financial concern for many Gen Xers who are still raising kids at home.

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Compare the best high-yield savings rates as of September 9, 2025.

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We look back at how banks handled rate cuts in 2024, and what to expect in 2025.

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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.

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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.

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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 [...]

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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.

Person imagining a piggy bank made out of cash.

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.

The trusted provider of accurate rates and financial information