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

A couple budgets together.

Bankrate offers 18 ideas for stretching your budget to save money.

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Understanding discretionary income can help you with your budgeting strategy.

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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CDs Savings Accounts MMAs Checking Accounts

Latest articles

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With some planning and preparation, this is how I reduced my Thanksgiving grocery bill.

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Slow shopping has been growing in popularity despite potential drawbacks.

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Knowing a savings bond’s value can help you decide whether to hold it or redeem it.

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Balancing your checking account may sound dated, but it still makes sense.

Person shopping at grocery store choosing oranges in the supermarket

Monthly budgets are popular because many expenses, such as rent and bills, occur monthly.

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It’s important to find the right accounts for your emergency savings.

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An emergency fund is an essential part of a solid financial plan.

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These simple moves can help you build a cash cushion.

Calendar of 2023

Use this challenge to stash more cash toward your savings goals.

illustration of money growing on trees

Here’s a helpful guide to how much you need in savings over the course of your life.

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Creating a timeline is a useful way to plan and meet all your financial goals.

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Rainy day and emergency funds differ but together provide a sound financial plan.

Man watering plants

Interest is the price you pay to borrow money or the cost you charge to lend money.

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High-yield savings rates fluctuate over time. Let’s explore what causes that.

Recession risks are rising. Learn six smart savings strategies to protect your money before it hits.

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Comparing savings rates can ensure you get the best return on your savings.

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Get the latest rates on top-yielding money market accounts.

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Split direct deposit is a simple way to painlessly boost your savings.

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Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.

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There are ways to access your money and ultimately spend it. Here’s how.

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